I have call several insurance companies and cannot obtain coverage because of existing diabetes condition. Similar to "assigned risk" for an auto driver, is nearby such full, major coverage available? How do I travel about finding the coverage? I own recently retired and my Cobra will expire soon. Is in that any extension of Cobra available in California?
Answers: Try AmeriPlan they certainly have a great diabetic plan and it is cheap!
COBRA is a maximum of 18 months contained by CA. Every insurance company will have a pre-existing conditions clause. You will hold to just find one beside the shortest waiting period. Nope. Your best bet is going to be the California High Risk Health Pool. You enjoy to apply, I *think* you have to be uninsured for 12 months prior, and there's a huge waiting document. Plus, there's a $450 deductible, and up to 25% copay for some services, and a three month waiting period for preexisting conditions.
That's not a best bet, that's an ONLY bet. NO ONE is going to run on a diabetic, in a private plan, and cover the diabetes.
http://www.mrmib.ca.gov/MRMIB/MRMIPBRO.p...
That's why population don't retire until they are 65, and eligible for Medicare.
Actually...yes.
In California there are various options, even after COBRA have run out. Specifically, you can apply for the Cal COBRA extention, meaning your coverage can run from 18 month to 36 months. Your premiums will increase by approximately 8%, but the option will still be here. After that, depending on the specifics of your circumstances, you can look into a HIPAA Conversion plan, or MRMIB.
Otherwise it is unlikely. With that kind of pre-ex, pretty much anyone will discard to cover you on an individual plan. Your best bet, outside of the above listed plans, will be to safe and sound insurance through an employer, if that is still possible for you to do.
Answers: Try AmeriPlan they certainly have a great diabetic plan and it is cheap!
COBRA is a maximum of 18 months contained by CA. Every insurance company will have a pre-existing conditions clause. You will hold to just find one beside the shortest waiting period. Nope. Your best bet is going to be the California High Risk Health Pool. You enjoy to apply, I *think* you have to be uninsured for 12 months prior, and there's a huge waiting document. Plus, there's a $450 deductible, and up to 25% copay for some services, and a three month waiting period for preexisting conditions.
That's not a best bet, that's an ONLY bet. NO ONE is going to run on a diabetic, in a private plan, and cover the diabetes.
http://www.mrmib.ca.gov/MRMIB/MRMIPBRO.p...
That's why population don't retire until they are 65, and eligible for Medicare.
Actually...yes.
In California there are various options, even after COBRA have run out. Specifically, you can apply for the Cal COBRA extention, meaning your coverage can run from 18 month to 36 months. Your premiums will increase by approximately 8%, but the option will still be here. After that, depending on the specifics of your circumstances, you can look into a HIPAA Conversion plan, or MRMIB.
Otherwise it is unlikely. With that kind of pre-ex, pretty much anyone will discard to cover you on an individual plan. Your best bet, outside of the above listed plans, will be to safe and sound insurance through an employer, if that is still possible for you to do.