General Discussion

diabeticman

(3,121 posts) Thu Sep 26, 2013, 10:44 PM Sep 2013

Has the pre-existing condition clause kicked in? My wife is able to apply for insurance at her

job. The insurance the company has isn't that great her doctors on the plan are extremely limited BUT if she has to take that insurance will her lung issues be held against her as a pre-existing condition? If they do reject her does that mean she is stuck with payments to that insurance company and trying to find another?

I ask that question because once I sign up yearly for my coverage than that's it. You are stuck paying until next sign in period.

8 replies

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Has the pre-existing condition clause kicked in? My wife is able to apply for insurance at her (Original Post) diabeticman Sep 2013 OP

Is it a group policy through her employer? Recursion Sep 2013 #1

Yeah she can sign up on line on her own. the plan we are looking at takes about $30 out of her pay diabeticman Sep 2013 #3

Not an expert but I think PCIP is already in effect, she should be guaranteed insurance. NYC_SKP Sep 2013 #2

PCIP stopped accepting new applicants back in February kcr Sep 2013 #4

WTH? NYC_SKP Sep 2013 #7

To ensure funds were available to cover those already enrolled. kcr Sep 2013 #8

thanks for the link diabeticman Sep 2013 #5

January 1, 2014 liberal N proud Sep 2013 #6

Recursion

(56,582 posts)

1. Is it a group policy through her employer?

Reply to diabeticman (Original post)

Thu Sep 26, 2013, 10:46 PM

Sep 2013

That's the beauty of group policies: they don't ask your medical history.

diabeticman

(3,121 posts)

3. Yeah she can sign up on line on her own. the plan we are looking at takes about $30 out of her pay

Reply to Recursion (Reply #1)

Thu Sep 26, 2013, 10:52 PM

Sep 2013

each week

NYC_SKP

(68,644 posts)

2. Not an expert but I think PCIP is already in effect, she should be guaranteed insurance.

Reply to diabeticman (Original post)

Thu Sep 26, 2013, 10:49 PM

Sep 2013

Check it out:

https://www.pcip.gov/

I helped a friend get a great policy in California. First she had to have an application denied, then she qualified for PCIP.

Your state plans might vary.