Need insurance that will take people with colitis?

Question

i have ulcerative colitis its not a big deal take some meds and im good.But insurance companies think im some brittle health risked person so the refuse to take me and time is running out to get on another insurance company.

Answer 1

Companies will have different underwriting requirements in different states. If you are currently under any treatment most of the companies in my state will decline but there are a couple that will accept you with a rider. These plans may or may not be available in your area. There are also a couple of defined benefits plans that may be available. You'll need to visit a local agent that works with all the major companies in your area to find one that will accept you.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Answer 2

Yep, most likely you'll have to either go to your state high risk health pool, if you have one, or get a job with group health benefits.

It's not you, that YOUR colitis is under control, it's that in general, a high percentage of people with colitis, eventually, sooner or later, generate very high medical bills.

Answer 3

You may be eligible for a guaranteed issue individual health insurance plan that covers all pre-existing conditions under the HIPAA laws.

Most agent do not really even fully understand how these laws work so be sure and speak with someone with some experience if you suspect that they may apply to your situation.

There are 6 criteria that you must meet in order to be HIPAA eligible. Here is some more information on HIPAA:

Answer 4

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