Health insurance

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Message: 1

Date: Tue, 24 Jan 2006 08:29:10 -0600

From: Zierhart <dhz920@...>

Subject: RE: Digest Number 1960

You have to watch the language in those " pre-existing " clauses. I

recall mine said, if you didn't need get treatment for this condition

in the first 6 months of your coverage, it would not be considered

pre-existing. If you did, they wouldn't cover it, but after a

certain length of time, it was no longer considered pre-existing. I

know if changes all the time, but, it may even pay to have a lawyer

read your policy, if you're looking at costs as significant as hcv

treatment.

Oftentimes when you first start a job, if you take the insurance

immediately upon being eligible, there is no pre-existing clause, if

you don't take it, say you are covered under your spouses insurance,

then later decide to take it, then you can be subject to proof of

insurability. I know things in health insurance are changing all the

time, so I'm just telling you what I experienced. I recall a girl I

worked with had to pay for her husbands asthma (or something like

that) treatment for a year before the pre-existing clause would expire.

Currently, since I have had the insurance since I started working

where I am, even though we changed insurance, I did not have to

submit to any physical, or questionairre, etc. One thing, I was going

to raise my life insurance past 3x my annual salary, and I would have

had to provide some sort of proof of insurability. I declined.

But here in VA only Blue Cross will cover any preexisting conditions. All

other companies will decline you and the law is behind them. So unless I

get Blue Cross for myself and not under a company I will be paying thru the

nose. I feel like I am stuck between a rock and a hard place. So I

actually may have to considered being a incorporated company and not just a

independent contractor.

I wish I had the chance to roll over, the training organization I work under

only has Aetna insurance and they declined me, even though I was rolling

over. I really found it strange that Virginia law states only one

insurance can take pre-existing conditions. Do not live in Virginia.

But I really want to open this business for it is my dream and would at

least say I have given it a try. So I guess I will be no insurance for a

while till my business takes off. Lynne