Re: Insurance question

[Guest guest]

I probably shouldn't post on this one, since I know little about insurance.

But the first thing I wondered is what they mean by " if you were diagnosed

with diabetes. " Do they mean that if you are not known to have diabetes at

the time your husband starts work, that you will automatically be covered by

his insurance? Or do they mean that as part of the getting-new-insurance

process, you will have to have a medical exam, and that if you are found to

have diabetes at that time, you won't be covered? Do they mean that you

will have to fill out a health form to get the insurance, and that if you

indicate that you don't have diabetes, you'll be covered? If a health form

is involved, do they also mean that if they decide that you were incorrect in

not checking " diabetes, " they can refuse to cover you later? Or do they

mean something else? It seems to me that if they are going to cover

diabetics and non-diabetics differently, they must have some standard method

by which they decide who is which. On top of that, doctors seem to differ

in the standards they use to determine who is diabetic and who is not, with

some doctors being more conservative.

When my husband and I got new life insurance several years ago, we had to be

examined by a nurse approved by the insurance company. Our blood sugar was

tested, and was okay back then. My diabetes was diagnosed later, but if I'd

been found to have diabetes at the time of the exam, it's my understanding

that we would have had to pay significantly higher premiums.

[Guest guest]

In a message dated 11/16/01 5:03:41 PM Eastern Standard Time,

cld60@... writes:

> Any thoughts?

>

Hi Sussie,

Do you live in the USA? I don't think insurance companies can deny insurance

for previous illnesses any more. I would really check into it. My husband

changed jobs last year. We had no problems with full coverage for me, even

though it had been less than 5 yrs since I had been diagnosed with cancer.

Eunice

[Guest guest]

Dear Sussie,

It sounds like you are being treated by some of

the doctors I used to have. They were real " winners " .

It would definitely sound to me that presently

you are not diagnosed diabetic. I can't see how that

could be done without a blood test. However, I am

not in any kind of legal field so don't know the

rules.

__________________________________________________

[Guest guest]

Group insurance is one thing. If you are after a private health insurance

policy they have the right to refuse coverage, or charge you a much higher

premium. Diabetes is almost an automatic refusal. Group coverage is a

different animal all together. If the company you work for has existing group

and pays a percentage of the premium, your cost may be a bit higher if you

have a pre-existing condition......Jack

[Guest guest]

Your husband is the primary insured. They may possibly deny extended

coverage, but first they will have to have a reason. ie; diagnosis of a

pre-existing condition. They may also choose not to cover your condition for

a certain period of time, such as 1 year, or any complications that result

from that condition for the same period of time. State laws may

vary.....................Jack

[Guest guest]

My husband was told today that the law is that if you have medical

insurance and are just changing insurances then its ok. We were without

insurance for six months...

I hope they insure me!! It would be very bad..

sussie

Re: Insurance question

In a message dated 11/16/01 5:03:41 PM Eastern Standard Time,

cld60@... writes:

> Any thoughts?

>

Hi Sussie,

Do you live in the USA? I don't think insurance companies can deny

insurance

for previous illnesses any more. I would really check into it. My

husband

changed jobs last year. We had no problems with full coverage for me,

even

though it had been less than 5 yrs since I had been diagnosed with

cancer.

Eunice

[Guest guest]

I looked up our law here and they can only deny me one year if I have

been diagnoised. The thing is that I have not had any blood tests...we

will see..

What stress on top of stress..

sussie

Re: Insurance question

Your husband is the primary insured. They may possibly deny extended

coverage, but first they will have to have a reason. ie; diagnosis of a

pre-existing condition. They may also choose not to cover your condition

for

a certain period of time, such as 1 year, or any complications that

result

from that condition for the same period of time. State laws may

vary.....................Jack

[Guest guest]

Sussie,

In that case you are dealing with a group policy. Good for you. If they don`t

request your medical records and you haven`t been " officially " diagnosed, you

may squeak through the screening process and get immediate full coverage.

Good luck....Jack

[Guest guest]

Thanks Jack, that is what we hope..even though you all have been a

billion X more help then my doctor who said nothing really..sussie

-----Original Message-----

From: Signet1JZS@...

Sussie,

In that case you are dealing with a group policy. Good for you. If they

don`t

request your medical records and you haven`t been " officially "

diagnosed, you

may squeak through the screening process and get immediate full

coverage.

Good luck....Jack

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[Guest guest]

Joanne

Actually no. I don`t work with insurance. I just pay attention when some of

my insurance manager, risk assessment, crisis control friends are talking. My

station in life allows me to confrence call and pick grey matter on a regular

basis. The insurance situation for the cronically ill is pretty much a

disaster................Jack