Guest guest Posted January 24, 2006 Report Posted January 24, 2006 Good Morning to all! I believe the " pre-existing " issue is becoming a big discrepency issue for insurance companies. On the " individual " side of health insurance, companies apear to be really questioning underwriting & paying claims. Just in the last six months we are actually starting to see " Neurological Disease " questions show up on new updated applications for some of the companies we work with in Iowa. In the past there never was any questions regarding it. We also have experience with another company " pulling " pre-exisiting issues with another condition and cancelled the client's insurance policy due to it--after the policies had been in force for almost two years. They tend to relate anything possible back to the this issue. There is a very " fine-gray " line when it comes to pre-exisiting. I have spent many hours on the phone dealing with claims departments with several companies. I suggest everyone be causious and really question claim discrepencies when they appear. Quote
Guest guest Posted January 25, 2006 Report Posted January 25, 2006 Thank you, for your timely message. Dennis Quote
Guest guest Posted January 25, 2006 Report Posted January 25, 2006 Being previously self-employed, I found it literally impossible to get in on a major medical plan (i.e. Blue Cross, Health Net, etc..). The second I even mentioned CMT (in one case I said " peripheral neuropathy " ) it was an automatic decline, no questions asked. After 1 year, I decided to take another full-time position away from home (I was working from home), and about a $25k pay cut. But the way I look at it is, I intend on getting fitted for the Helios braces which are $10k alone, the peace of mind, and the ability to access medical care, to me, is worth $15k. I was able to get on a non-major-medical plan by sort-of " backdoor-ing " ... I joined the " Keirland Club " in sdale, AZ for $99 a year. They offer group medical plans to their club members, which I was able to get in with no questions on prior conditions. It's weird b/c with life insurance I was given a non-term policy rated at the highest possibe health meaning I pay the least premium possible. It's odd to me that my life insurance company considers me " perfect health " but health ins. companies won't touch me. Quote
Recommended Posts
Join the conversation
You are posting as a guest. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.