Health insurance for someone with a preexisting condition?

Any association plans still available are individually underwritten. The association plans of the past attracted too many people with major pre-existing conditions and therefore couldn't sustain the policies.

There is a new Pre-existing Conditions Insurance Plan (PCIP) available as part of the affordable care act. Here is a link for more information: http://www.yourhealthplanadvisor.com/PCIP.html

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RE Health insurance for someone with a preexisting condition?

I have heard about plans that are available through association memberships with limited benefits. Is this a legitimate method of obtaining coverage for someone who is otherwise ineligible for insurance? Any other suggestions? The high-risk pool insurance in California is not affordable.

Not really. It is a legitimate method of obtaining some coverage, but not enough to do any real good. If your preexisting condition is bad enough to keep you from getting regular insurance, then you need more than just limited benefits.

The hardest part for you in a dilemma such as yours is finding someone who is going to give you a solution in a language you can understand. Also finding someone you can place trust and confidence in always helps. I would probably seek out a insurance broker (one that's capable of shopping to multiple carriers) with a good track record of no complaints, has good reviews, is resourceful, and has integrity. I know it's possible to be BS'd into thinking someone has all these qualities, but I can assure you if you do your due diligence you'll come out with the best possible fit for your unique situation. Unfortunately, your best bet is to attempt to become healthier and see if you can eliminate the threat of your PE. If you can't,or if this just isn't possible, I would go with option 1. The important thing to remember is-Do NOT let your emotions decide what you end up with and don't make a snap decision. Health care itself and health care premiums are one of the largest retirement busters, so shop smart!

Good luck with your hunt for coverage

Those plans you're talking about, went away about 25 years ago.

These days, your only options are the high risk pool, welfare (medicaid) if you qualify, the federally mandated preexisting condition insurance plan, which will probably cost around the same as your high risk pool, or coverage through an employer's group plan, after the waiting period is up.

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What's the pre-existing condition? They're not all treated the same....a wart and cancer could both be a pre-existing condition. The wart isn't a big deal.

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