My previous coverage was 18 months of Cobra, and before my 63-day grace period expired, I bought an individual health care policy on Oct. 1. Because I was HIPAA eligible, I did not have to answer any medical questions and I had no waiting limit for pre-existing conditions. However, during my original phone conversation with the agent,when he asked me what I was currently being treated for, I told him that I was being treated for depression. At this time, I had some minor symptoms of shortness of breath and a strange anomally with my hearing that I wasn't too concerned with. However, in a short period of time, my symptoms piled on and escalated into various mysterious and frightening symptoms of illness. I am worried that my symptoms may be complications of blood infection from gum disease. My new plan does not have dental coverage, so any complications from dental problems will not be covered, so I worry the insurance company may use this as an excuse to deny claims regarding my current symptoms. Also, my policy has a clause that says "You policy may be invalid if you have misrepresented yourself." So I also worry that they will be suspicious of how I got so sick so quick and try to deny my claims that way. Now, I find myself in a quandry...I am terrified by my symptoms and I'm equally afraid my new insurance will not pay.
However, this policy has such crappy benefits, I'm pretty much stuck paying the first $2,500 of medical expenses myself anyway, before they kick in and start sharing expenses. I bought a low premium, high deductible plan because it was the only premium I could afford, and that is $400 a month, And on top of that, I have a $2,500 out-of-pocket expense limit. So if I end up in the hospital, I am probably going to be looking at an accumulation of bills of $5,000. I would appreciate any comments.