Since college, I've been paying for health insurance via an individual policy after I was no longer covered under my parents. Then in 2010, I got Crohn's Disease, resulting in costly prescription medication, which my insurance thankfully amply pays.
I recently was employed by a company offering group insurance. I'm hesitant to take it, though, because I've heard the following: that if I would lose my job for whatever reason, and then max out on COBRA for 18 months, and not find a job that provides health insurance within those 18 months, and then try to get an individual policy again, I would be denied due to my Crohn's.
This is unacceptable. I must have health insurance at all times.
If I'd be denied after COBRA in the above hypothetical scenario, maybe I should stay with my current individual provider. However, staying with that provider is undesirable, as my monthly rate skyrockets each year.
I'd save lots each month by switching to my company's plan, but I'm fearful of the above scenario.
The way I see it is that if the Affordable Care Act (ACA) is upheld, those with pre-existing conditions cannot be denied individual policies. Conversely, how I understand the Romney/status quo version is that those with pre-existing conditions cannot be denied coverage if they have had "continuous coverage." Does my hypothetical "company insurance-then to COBRA-then to individual policy" scenario constitute "continuous coverage?" With regards to the Romney plan, I still can't find whether it's only group plans or in fact group AND individual plans that accept those with pre-existing who have had continuous coverage. I'm not sure what continuous means exactly.
If I'd be able to obtain an individual policy after COBRA in my hypothetical, would the rates be high due to my Crohn's?
If I understand it correctly, I could get an individual policy after COBRA under the ACA, effective 2014. However, I don't know what the case is for me if the ACA's repealed.
Copyright 1994-2017MedHelp International.All rights reserved. MedHelp is a division of Aptus Health.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. Med Help International, Inc. is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.