I see lots of promises that "employers cannot deny insurance for preexisting conditions" .....

[Stinky The Clown]

.... but what about the insurers themselves? Does anyone know if any of the current plans will, specifically, disallow the preexisting condition exclusion clauses from health care policies?

[SoCalNative]

1. It's all in what coverage the employer pays for

My employer's plans specifically will cover all pre-existing conditions, and we were told that upfront at our orientation.

[LaurenG]

2. It's the insurers that get to deny for pre-existing but only

if the insured has been non covered for over thirty days. Then I believe it's an 18 month wait. (Depending on the employers policy.)

edit to try to clarify

[Stinky The Clown]

3. Thanks ...... but that's the current rule, correct?

I was wondering what is in the various plans being hammered out in DC.

[LaurenG]

4. Yes current - sorry I misunderstood and I haven't checked

the plans being hammerd out yet.

[Stellabella]

5. Yeah, just enough time for the pre-existing condition to get worse.

Or kill the person.

God, I hate insurance companies.

[DailyGrind51]

6. You're correct about it depending on the insurer!

My employer covers employees with pre-existing conditions from their first day of employment. However, my previous employer's insurance carrier required either a certificate of insurance or a 12 month waiting period for pre-existing conditions.

[old mark]

7. Again, it all depends - I have to buy my own health insurance,

and I had bypass surgery in 2003. I found NO health insurers will insure anyone with previous chest, heart, and/or vascular surgery except for Blue Cross. They wanted $800 a month for very basic coverage, just for me, which is more than I can afford on my pension.

I have a state backed health insurance (PA) that gives me more than the Blue Cross would for about 1/4th the price, so it can be done.....

They are all greedy crooks, and I have no doubt they will try like hell to weasel out of any agreements they don't like.


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