Health Insurance, pre-condition
My wife and I are considering moving to TV from New England. One of us is not yet 65 and currently enrolled in a Blue Cross HSA self pay plan but is being treated for a current health condition. If we move to TV we have to be certain we are covered for any & all existing conditions. Does anyone know how the pre-condition exclusion works in Florida and where we can get full coverage, i.e. no lapse in coverage between plans? We are hoping we can find a way to do this!
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LARYB: I am new to this what does "bump" mean?
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Two ways come to mind. If you have BCBS through an employee group you can continue in that group for up to 18 months through COBRA, at your expense. If you hve single coverge (or group coverage for that matter) you will get a Certificate of Credible Coverage from BCBS and that will eliminate pre existing coverage issues through HIPAA. In either event contact BCBS and tell them of your situation. Good luck.
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Hope that helps! Bill |
Your very best bet is to call Blue Cross Blue Shield and talk with them directly. For something this important, get the information direct with the company instead of relying on a forum (which includes some very smart folks).
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go to the source (BCBS)....gn
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Thanks everyone. I will investigate HIPAA rules and speak to BCBS as suggested. We are retired and we both have coverage in private pans now so that should be helpful according to HIPAA Regs. I will post how we made out when it is resolved because it seems others have faced similar problems.
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I am in a similar situation and in researching and looking for a new plan I came upon Landshealth.com They have reasonable rates, however, I live in CT and they do not offer their plan in Ct but they told me they do offer their plan in FL. My situation is that my Cobra is expiring in June, after being on it for 18 mo, and now I need to get my own insurance for 14 mo till I turn 65. It is a nightmare.....
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We saw a reference here on TOTV for Ross Lehman (352-425-4427) who is an insurance broker near TV. He provided much useful information. Ross has been successful at finding coverage that will provide me with decent coverage even with my history of prostate cancer. Good luck. There IS a policy out there for YOU. |
Good luck it is not going to be good in the state of Florida. I have all kinds of problems because of pre-existing health issues. Some of my pre-existing conditions aren't even right on my records. You will have to pay a lot more to get good coverage. Right now I have a five thousand dollar deductible at $289 a month with Aetna. I can't wait until I'm 65 to go on SS. As it is I am avoiding Drs, but with my unstable thyroid condition isn't easy. Good luck and I can't wait to hear what others have to say, maybe i can find something out I didn't know.
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