Health Insurance?
Hello, I currently have health insurance now with my job that I’ve been with for 6 years. However, I’m going to be leaving the job but do not want to be without health insurance. I do have a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and had to have surgery about 2 months ago. I’m looking for individual insurance, no network (I don’t want to have to choose certain providers. That wouldn’t work for me because my current doctor is one that is out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to have a deductable, I don’t want it to be very high! (not $1,000!). Does anybody know any options for me?
cobra - you should be able to keep your current ins for 18 months and pay what your company was paying.
Health Insurance?
Health Insurance?
Hello, I currently have health insurance now with my job that I’ve been with for 6 years. However, I’m going to be leaving the job but do not want to be without health insurance. I do have a pre-existing condition, but not a major illness. I injured my ribs a couple of years ago and had to have surgery about 2 months ago. I’m looking for individual insurance, no network (I don’t want to have to choose certain providers. That wouldn’t work for me because my current doctor is one that is out of network, however it was approved by my insurance company to see the doctor), and I do not want a deductable. If I HAVE to have a deductable, I don’t want it to be very high! (not $1,000!). Does anybody know any options for me?
Ask questions, get the answers in writing. Since you have coverage now, you can get what is called a "certificate of credible coverage" this is valid for 63 days (at least in my state) allowing you to get a new policy.
As far as your pre-existing condition, you may have issues with your new insurance company (it seems to happen often) so make sure the rep who sells you the policy is knowledgeable and make sure you GET EVERYTHING IN WRITING.
~~~Something else, if you know other people who have private insurance, ask them about their experiences. The laws vary from state to state (unless you have a govt plan) so to get advice from this site may not get you the answers you truly need.