I am looking for a good and reliable insurance company that will take someone with a pre-existing condition.?

Question

I realize that are alot of factors. I just want to know if anyone has had any experience in dealing with insurance companies and how well they were treated if they actually need to use the insurance. Thanks....

Answer 1

I don't know many insurance carriers that will take someone on with pre-existing conditions unless you are enrolling in a employeer group policy (they have no choice but to take you). Most likely when you apply for a new policy and they ask in the application if you have any pre-exisiting conditions then you will be rated which will make your policy premium sky high.  A good place to look on the web is ehealthinsurance.com.  Good luck!

Answer 2

In NJ no insurance company can deny you coverage if you have a pre-existing condition. BUT, you will have a period of time that you will not be covered for that particular illness. In group health it is 6 months and with individual it is 1 year.