North Carolina Babies
Anyone work in insurance?
I have a couple of questions regarding pre-existing conditions and stuff. If anyone is around and could provide me some advice, I'd appreciate it
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Re: Anyone work in insurance?
Same here...but I might be able to answer some of your questions. I used to deal with health insurance prior to property.
There will probably be a time period you're allowed, I think most policies are 60 days. So if you get new insurance before then you'll be ok. If not, then maybe. But it's usually only not covered for a certain period of time, like 12 months. It really depends on your new policy, which obviously you don't have or have no way of knowing.
Have you looked into getting something like BCBS until you can get insurance again? Even if you get an uber-cheap policy that doesn't cover anything, it will still mean you're insured and won't have to worry about pre-e conditions when you get new insurance. They also have 90 day policies for super cheap. I got one when I was laid off until I got a new job. If you still don't have new insurance by then, you can get one of their regular policies. I think my 90 day policy was like $150 total. It didn't cover much, but I just got it for the sake of having insurance.
Our Thanksgiving Day baby 11/22/07
Pregnant with #2 with LPD, uterine polyp/hysteroscopy, DOR (AMH = 0.17), 2 c/ps
Our early Christmas present 12/9/10
That is also true depending on the policy. That is the law anyway. But from personal experience most policies will waive pre-e conditions as long as you had some kind of insurance, group or personal. The law is that if you go from group to group with no lapse over 60 days, then they can't call it pre-e. It's up to the company otherwise.
According to DH you will probably be able to get an individual policy you will just be rated at a higher level which in turn will cost you more.