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Q: Pre-existing Clause, Much Like Marysunshine! Help!!
asked by: WLC on November 2nd, 2006
New User, Becoming EHEALTHy
I just got a job offer(yea!). Bad news is they do not have health insurance. It should be in place by the beginning of the year.

After speaking to them, I found out that there may be a 12 month, pre-existing clause. I don't know much about insurance, so I asked them to explain a bit more. To my understanding, they won't pay for anything that you are being treated for. I have been seeing a psychiatrist for mild anxiety/depression and recently add. It has made such a difference to get it addressed! I do not want to stop as I have just started to make good progress.

Questions:
1. Do companies look down on or red flag psych visits?
2. Do the conditions mentioned fall under the clause?

Who has gone through this and what did you do? The meds and visits are $$$.

Thanks in advance,
w
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charduck replied on January 11th, 2007
New User, Becoming EHEALTHy
Pre-existing Conditions With Health Insurance
I avoided the situation by enrolling in a discount health care plan at a fraction of the cost of health insurance. They pay nothing toward your bills; they just provide discounts at their providers (thousands throughout us). No one can be turned down, and they don't care about pre-existing conditions.
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