Health Insurance Forum - Pre-Existing Condition and new insurance

General Forum Topics > Health Insurance Forum > Pre-Existing Condition and new insurance

Q: Pre-Existing Condition and new insurance

asked by: roxgro on August 8th, 2008

New User

I just canceled my existing family health insurance policy as we moved out of state, and it followed me to AZ where it then bumped up in price to $850/month. I applied for my local AZ coverage online (Blue Cross/Blue Shield, same as before), THEN canceled my old policy. I got a letter from them telling me I had to submit records to them based on my previous doctor visits. This is scary...I didn't consider any one of us might be denied for various reasons when I canceled my existing policy. Do they HAVE to cover anything they might consider pre-existing considering I applied BEFORE I canceled my old policy? Thanks for sharing your knowledge of this and advice!

Replies(3)

goog

replied on September 17th, 2008

New User

Assuming you are coming off of an individual health insurance plan and you are applying for an individual health insurance plan, you can and will be fully medically underwritten. You could be declined for coverage if the company you applied find something in your medical history. You will find all of this information on the application you signed.

Now, there are guaranteed issued plans out there that will have a whole new set of rules. If you provide more details, I can give you a better answer.

DoorIn

replied on October 13th, 2008

New User

A good insurance agent would have advised you NOT TO CANCEL your current insurance policy until you've been approved for your new one.

vahealthinsuranceplans

replied on October 23rd, 2008

New User

If you are denied coverage I suggest you call any of the local HMO plans and ask them for a health insurance quote for an OPEN ENROLLMENT product or a product that is "guaranteed issue" (does not require medical underwriting). If the premiums are prohibitive consider a very high catastrophic health insurance plan.

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