Re: good news on the insurance

[Guest guest]

Did you get a certificate from your previous insurance saying you had insurance?

I'm not sure how long that certificate is good for. You might have to wait a

year for pre-existing if you did not have that.

Becky

[ ] good news on the insurance

I did get some good news today. My husband has gotten a full-time

job, with a great company, and insurance. When we had insurance

before, I had a lot of problems with our insurance, saying I had a

pre-existing condition. I'm just scared I will be denied insurance

now. I have been told by several people, I won't be able to get

insurance, is this true?

[Guest guest]

Tawny:

This could be true (CA), however, here there are certain laws governing the size

of the company and how many employees have to work for them before they accept

dependents with pre-existing conditions. Some of the smaller companies

insurances couriers will accept a dependent with certain attachments or riders

such as some will simply not ever cover for the existing condition or something

that may have resulted because of it while still others will not cover it for a

length of time which could vary from vendor to vendor. I spent 10 years with

Blue Cross here managing 21 agents and used to be in on all the rules and

regulations but in April of 1995, BC released all their captive agents and

closed the office here. In the following years, I worked for companies that

were affiliated with the insurance world but not in on such things as I had been

before. Depending on the state you are in, you might call the Insurance

Commissioners office and they might be able to help you on what you

are up against if there are any obstacles. Also, in the state of CA they have

an insurance that is available for people can't get covered either by a group

policy or an independent one. The drawbacks with this one are the premiums are

high and the waiting list is long. The coverage is limited and once you reach a

certain max on the claims...it is no longer a good policy. You might ask about

that also in your state if you can't get any....some coverage even if limited is

better than none.

Good luck on your husband's new job and the possibility of the insurance. I am

keeping you in my prayers for your upcoming appointment with the doctor.

Take Care (and be sure to give yourself some TLC)....((((((HUGS))))))

Jan =^..^=

Tawny <tawnyokc@...> wrote:

I did get some good news today. My husband has gotten a full-time

job, with a great company, and insurance. When we had insurance

before, I had a lot of problems with our insurance, saying I had a

pre-existing condition. I'm just scared I will be denied insurance

now. I have been told by several people, I won't be able to get

insurance, is this true?

[Guest guest]

Jan,...It's so good to hear from you. I will try to find out some

laws in our state, thanks because I don't know much about insurance.

It' really terrible that we have to fight to get some medical help,

it's unreal. Are premiums were real high before. Thanks so much for

your support, and kindness. ((((((hugs)))))) Tawny

> I did get some good news today. My husband has gotten a full-time

> job, with a great company, and insurance. When we had insurance

> before, I had a lot of problems with our insurance, saying I had a

> pre-existing condition. I'm just scared I will be denied insurance

> now. I have been told by several people, I won't be able to get

> insurance, is this true?

>

>

>

>

[Guest guest]

Hi Becky, No I never got a certificate really don't know too much

about insurance. We were on Blue Cross, and we will be dealing with

the same one,....thanks Tawny

> Did you get a certificate from your previous insurance saying you

had insurance? I'm not sure how long that certificate is good for.

You might have to wait a year for pre-existing if you did not have

that.

>

> Becky

> [ ] good news on the insurance

>

>

> I did get some good news today. My husband has gotten a full-

time

> job, with a great company, and insurance. When we had insurance

> before, I had a lot of problems with our insurance, saying I had

a

> pre-existing condition. I'm just scared I will be denied

insurance

> now. I have been told by several people, I won't be able to get

> insurance, is this true?

>

>

>

>

[Guest guest]

In a message dated 3/10/04 12:49:33 AM Central Standard Time,

writes:

> Message: 7

> Date: Tue, 09 Mar 2004 23:41:47 -0000

> From: " Tawny " <tawnyokc@...>

> Subject: good news on the insurance

>

> I did get some good news today. My husband has gotten a full-time

> job, with a great company, and insurance. When we had insurance

> before, I had a lot of problems with our insurance, saying I had a

> pre-existing condition. I'm just scared I will be denied insurance

> now. I have been told by several people, I won't be able to get

> insurance, is this true?

>

>

>

>

Tawny,

Check with your state insurance commission. They can not deny you coverage

in a group coverage policy. But there may be some stipulation that varies from

state to state. I have never been denied coverage in a group coverage

setting.

I think also there is a stipulation too. that as long as you have had

continous coverage they can't deny you. But I would check with your state

insurance

board or commision.

congrads!!

Toni