Are pre-existing conditions an automatic 'no' for private, individual health insurance?
October 29, 2010 12:55 PM Subscribe
I'm going to be unemployed soon, and have been looking for independent health insurance as an alternative to COBRA. I'm worried about denial of coverage due to pre-existing conditions, and had questions about how likely this could be.
posted by anonymous to health & fitness (14 answers total) 6 users marked this as a favorite
In the past year, I've been to the doctor for various illnesses, including multiple new chronic conditions like high blood pressure. My history in the past year is enough to require additional sheets on any application form. I'm really worried that my medical history would be used to either deny coverage, or push me to high deductible policies. For various reasons, I'd like to keep or have continuous coverage rather than have a gap.
If coverage is denied on one application, is that a black mark that other insurance companies will find out about and influence their decisions? Is there any insurer that's more or less likely to deny based on pre-existing conditions?
Also, how important is it to vet my health history via the Medical Information Bureau? How much medical history do they cover? (Do they cover prior COBRA and student health insurance?) Will insurance companies be checking against it when they process an application?