Personalize Yedda, (And make Danny Happy)
People ask & answer about almost everything. Tell us what you're interested in... So we can personalize Yedda especially for you
I'm interested in:
Save
Cancel
ron

I am interested in the topic of health insurance ...

I am interested in the topic of health insurance companies denying coverage to people with pre-existing conditions. I understand this applies only to individual policies and not to group policies. I would like to know if the insurance industry or anyone else knows approximately how much more it would cost if all people with pre-existing conditions were covered?


Answer this question
Share Send to a friend Watch Report
 
 

3 Posted Answers
Order by

 
255 answers
123 helpful answers

I am Adam Alter !

Group health insurance through employment does cover pre-existing conditions.

I think the biggest problem with pre-existing for just anyone is people gaming the system and not just the cost to cover.  People can cruise along opting to not buy insurance and save their money, then they come down with something and immediately go out and pick up coverage after finding out they have cancer.  WHo wouldn't do this?  So they require you change jobs or get a job with a plan (which often have a waiting period to verify you're really there for the job vs. getting a procedure done) to cut down on this.

Think about it... it's a rock and a hard place and not a one sided arguement.  There's no perfect health system on this planet, they all have their problems to be worked out.
Posted 2009-07-30T15:54:05Z
Helpful?(1)
Rated as Best Answer
 
51 answers
5 helpful answers

Not all group health plans cover pre-existing conditions. In my familys case we have always carried the best inssurance our employer offered. How ever after losing his job and not being able to afford the Cobra plan we had a 90 day lapse of insurance. So even though we signed up with his new employers insurance (Which is the same company we have had for 10yrs prior to him losing his job) our family is not covered for 1 year on any"pre-existing" conditions. To give an example of how stupid this is... My 6 year old son had an ear infection in Jan. we were still in the company waiting period and were with out insurance. I paid the $85.00 Dr bill and $45.00 for RX., no big deal. At the end of March when we are covered, my son develops a mass in his neck. We go to Peditrician, he recomends going to an Ear Nose and Throat Specialis. We go see him. He sends us for an ultrasound to see if mass is a cyst, or tumor, or what. Insurance has denied all these charges saying it is pre-ex cause he saw a Dr. in Jan. for an ear infection. Nothing to do with each other, just went to the same Dr. as most people would do.
Posted 2009-07-31T01:17:13Z
Helpful?(0)
Rated #2 out of 3
 
4 answers

Quoting & Saving on your health insurance has never been easier

Well there are health insurance polocies out there that do cover all pre existing conditions and they are almost twice as much as plans that we call medically underwritten which means you can be turned down. Now dont think just because you have a pre existing you will be turned down for individual health insurance this is not true. The insurance company is willing to take on many risks.
Posted 2009-07-31T16:55:06Z
easytoinsureme was invited by Yedda to answer this question.

Helpful?(0)
Rated #3 out of 3

Sign in to participate

Got an answer for ron? Would you like to comment on the posted answers, or vote for the one which you think is the best?

Sign up for a free account, or sign in (if you're already a member).

Explore Related Questions

Other people asked questions on similar topics, check out the answers they received:


Q:

Health insurance????

my parents have been asking me and telling me so often about health insurance it gets quite aggrivating cause they ask about it so ...
Submitted by coriandermay   1 year ago.
  • 18 answers
  • viewed 646 times
Last answer posted 14 days ago by sgarrett


Q:

Why not PAY FOR HEALTH CARE instead of paying for HEALTH CARE INSURANCE PREMIUMS?

Why not consider subsidizing HEALTH CARE instead of subsidizing PREMIUM PAYMENTS? NOBODY is speaking of HEALTH CARE. Insurance ...
Submitted by jessix   6 months ago.
  • 44 answers
  • viewed 1427 times
Last answer posted 17 days ago by Lee


Q:

Public Option for Health Insurance?

Sen. Harry Reid is seeking a health care bill that includes a "public option" for health insurance and an opt-out provision for ...
Submitted by AOL News   26 days ago.
  • 30 answers
  • viewed 493 times
Last answer posted 5 hours ago by nanvancamp



» More...

Explore Related Posts in Forums

RealCare.Biz offers affordable insurance plan, health insurance quotes,...

Thanks for this, here is one thing that i like to share to u, where i found out this one that also very interesting one, ... all u gonna do is visit this site http://realcare.biz/ and learned different things about insurance thanks for this, here is one thing that i like to share to u, where i found out this one that also very interesting one, ...

Where's the health care benefit in health insurance "reform?"

Reform and are now saying they are only interested in health care insurance reform, most of the debate for catastrophic coverage with health savings accounts, making insurance a good value for the millions , and to choice of doctors. [/Quote: ] We have this already, it's called health insurance. Nothing

HEALTH 2009 Health Care Bill Pg16 - Kill off private insurance - No new...

insurance issuer offering such coverage does not enroll any individual in such coverage if the first " section of the bill clearly states: "Except as provided in this paragraph, the individual health on it for the time being. I have company provided health insurance (I pay for part) that is between
» More...
Powered by
Feed - Subscribe to changes to this Q&A Blog
ADVERTISEMENT
ADVERTISEMENT
AOL Health Q&A is powered by Yedda an AOL Company
Copyright © 2006-2009, Yedda Inc. and respective copyright owners