How to qualify with pre existing conditions for health insurance.

[Guest guest]

I've been told to seek out a knowledgeable independent agent,

and shop for a good one, not just the first one, who knows how

to write up your applications (apply to all of them, 5 to 6, at the

same time, so you can check the box: I have not previously

applied in the last 2 years).

The trick to existing conditions is to state:

I have managed the symptoms for __________ for the last ## years.

These symptoms have been reduced or eliminated: list of symptoms.

Or similar. Have a pro agent write it up for you. Why would they

do this? They earn money by getting you accepted. A part of

each monthly payment goes to them. Their commission.

Why apply to many? So, at least one accepts you. In fact, all

must accept you, at least in California, you can not be declined.

But they can refer you to a more risky plan, more expensive,

and accept you under that plan.

Point is, in all, all, aspects of the application, if you can show

you are a " health nut " , and doing everything right that you can,

they want to insure you.

Can they " deny " you typical benefits, only if it's not a new symptom,

that is, it's not one of your " managed symptoms " . If it's a new

symptom for an existing ailment, they must cover it, at least

in California, I have been told. YMMV.

Ask an agent. Ask many, if you really want insurance.

BTW, direct insurance from the provider is cheapest, but has more

limitations, than plans offered from a free agent. More expensive

plans are from " associations " like retirement, business, etc.

The most expensive appears to be from employers. Go figure.

The direct plan has no agent to fight for you.

An agent who gets a commission may fight for you on individual

coverage items. A good agent wins most of the time. As he

knows the ropes, and knows how to earn their commission.

Good luck.