Post # 1
I’m planning on joining FI’s health insurance in September, but all of a sudden I’m so worried I’ll be denied any kind of coverage because I have been treated for PTSD and OCD, along with ovarian cysts in the past few years. Trying to find some more information, but nothing makes sense! Any one know anything about this kind of thing that can (hopefully) ease my mind?! I live in Ohio if that makes any difference….
Post # 3
- Wedding: August 2013 - Rocky Mountains USA
I believe it’s illegal for them to deny you coverage for it unless you’ve had lapsed coverage (= no insurance) in the past. And with obamacare, that will also be illegal in 2014 or so.
Post # 4
@lolot: that’s my worry, I lost my health insurance in November and haven’t qualified for it yet at my new job. So, technically I have lapsed coverage
Post # 5
@lolot: +1. If you can verify that you had ongoing coverage (usually your former insurance will issue you a certificate of creditable coverage) there will be no lapse. If there has been a lapse, they will credit you for part of the time. Like if you had coverage for 6 of the last 12 months they will knock 6 months off of the waiting period.
ETA: Just saw your update. Also, I think there is a limit on the preexisting condition, like it has to have been treated in the last year to be considered a preexisting condition, otherwise they will pay for treatment. You’ll have to read the specific policy though.
Post # 6
Although, technically the removal of pre-existing and lapsed coverage restrictions doesn’t take effect until next year, many health insurance plans are going ahead and putting this into place. I’m in HR and work extensively with benefits and our health plan went ahead and lifted those restrictions. If I were you, I’d contact his HR/Benefits department and speak to them about the plan and what the current limitations are. Of course, you could always just go ahead and enroll and hope for the best. I’m sorry this is stressing you out though – healthcare is a tricky thing these days.
Post # 7
- Wedding: November 2013 - St. Augustine Beach, FL
@MrsCaruso2be: Those diagnoses are not typically targeted as pre-existing conditions that are excluded. I wouldn’t worry about it. Most employer-sponsored insurances are more lenient with pre-existing conditions and since you’ve already lapsed there really isn’t anything you can do about it anyway. Also, PP should be correct about the ACA (i.e. Obamacare) making exclusion of pre-exisiting conditions illegal in 2014.
Excluded conditions are typically long-term chronic illnesses that require expensive ongoing treatment like MS, cerebral palsy, any kind of cancer, HIV/AIDs, diabetes, etc…
Post # 8
Yeah with most companies you can get insured for preexisting conditions but it still sucks. Im in this predicament now.
I was insured through my job but my boss failed to turn the paperwork in on time causing me to lose my insurance. So I went to the same company (if I would have done it through the work again I would have had to wait 5 months to apply again) trying to get private insurance. Even though I was diagnosed with epilepsy and generalized anxiety disorder while under their insurance, and even though I had only been uninsured less than a week by their company, they wanted to charge an absolutely insane amount of money. I originally paid $120 for single insurance a month with a $1000 deductible and $25 co pays. In order to get a $5000 deductible now with $50 co pays it’s now going to cose me $650 a month, just for the insurance aspect.
I’m at the point where I really loathe insurance companies.
If you can go through a job I’d highly recommend it, privately they are horrible. Eck. And also when I got insurance through my work they never asked about pre existing medical conditions. But when it came time for treatment they would not cover anything that was recent from the last 6 months but anything after that time frame they would cover. I used Blue Cross Blue Shield btw
Post # 9
thanks ladies!!! FI is going to call his insurance company tonight, his HR dept is pretty slow with responding. Hoping for the best! I’m mostly just concerned I will be denied coverage all together. CLEARLY the anxiety is still present 🙂
Post # 10
I was on my dad’s insurance prior, than switched to my mom’s without any issues. and I was treated for ovarian cysts prior. Since going on my mom’s I’ve had a baby & have/are being treated for depression/anxiety….but I don’t think I’ll have any issues going onto FI’s. I know though because my job offers benefits but I’m on his insurance, he’ll have to pay $30 straight to his employer because of it.
Post # 11
@kris325: thank you!! I hate insurance companies, too. I can never understand what they’re saying!