Scan Medical Insurance

Individual health PLEASE HELP!!!!!!!!!!!!!?

I am loosing my current health insurance next week. I have looked into Cobra benefits, but I know that will be very expensive. I have also done an application with Humana One but got turned per pre-existing health conditions (ADHD). Then I almost was suckered into getting a policy from the MEGA health and life insurance comany, who I have come to find are a bunch of scam artists... I need insurance. Does anyone know of an insurance company who generally takes pre-existing conditions yet doesn't charge a million bucks? I have also heard of the HIPPA law and policies through that, but I don't fully understand all that. Someone please explain, I will be so thankful for some honest helpful answers. Thank you!!

Public Comments

1. HIPPA is a federal law that means that group insurance policies (usually through employers) cannot exclude coverage for a pre-existing condition when there has not been a break in coverage longer than 63 days. They may put a waiting period of up to 12 months for those condtions though.Here is a link that may help you: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html You might consider going to an independant agent in your area to get some ideas on what carriers may accept you. Probably your best bet is to get a job that offers insurance, though.
2. No. Generally, insurance companies don't take pre-existing conditions. That's why COBRA makes sense. HIPAA is for moving from one group plan to another group plan - and then the new group can't exclude your preexisting conditions, if you've had coverage for 12 months, and a lapse of less than 63 days. Private policies do NOT have to take you, with pre-existing conditions. It's kinda like trying to buy a lottery ticket good for last night's drawing. Think about it - they'd go broke, exchanging $300 a month of coverage for $800 a month of benefits. Honest answer - either take cobra, or get a new job with group benefits.
3. I disagree about taking COBRA as it is only temporary coverage. It should be a last resort only; not only because of cost, but that fact that it will run out and may have missed a window of insurability on the individual market. There are some companies that will accept you even if you have a preexisting condition. Or they might insure you for everything but ADHD - which in my mind is preferable to going with COBRA. We have had some luck with Anthem and Golden Rule as well as others. Feel free to browse health insurance quotes here and/or contact us: http://www.ohioinsureplan.com/index.php/insurance/carrier-quotes/