Health Insurance, pre-condition

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  #1  
Old 03-27-2011, 12:43 PM
rhodeislander rhodeislander is offline
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Default 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!
Thanks.
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Old 03-27-2011, 02:05 PM
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Quote:
Originally Posted by rhodeislander View Post
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!
Thanks.
bump
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Old 03-27-2011, 04:50 PM
rhodeislander rhodeislander is offline
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LARYB: I am new to this what does "bump" mean?
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Old 03-27-2011, 05:48 PM
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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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Old 03-27-2011, 06:00 PM
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Quote:
Originally Posted by rhodeislander View Post
LARYB: I am new to this what does "bump" mean?
It's just a way of making a "null" post that forces the thread back to the top of the unread list. That way it helps keep the thread active and from being potentially overlooked. Usually done when someone's looking for a response and has not received one for a while.

Hope that helps!
Bill
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Old 03-27-2011, 07:08 PM
Tbugs Tbugs is offline
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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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Old 03-27-2011, 07:52 PM
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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).
TBugs is right. Check with your current plan to learn your options. I know some folks just buy catastrophic insurance because so much is excluded - but each case is different.
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Old 03-27-2011, 07:58 PM
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go to the source (BCBS)....gn
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Old 03-27-2011, 07:58 PM
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Quote:
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LARYB: I am new to this what does "bump" mean?
Hi Rhodeislander! Sorry, been off line for a while, so I didn't see your question. BillnBrillo exlained it much better than I could. I'm in the same boat, so that's why I bumped. Good Luck
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Old 03-28-2011, 11:02 AM
rhodeislander rhodeislander is offline
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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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Old 03-28-2011, 11:57 AM
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Originally Posted by rhodeislander View Post
We are retired and we both have coverage in private pans now so that should be helpful according to HIPAA Regs.
I read your original post, but now I'm confused by this statement. If you have coverage in a private plan now, why don't you simply contact your plan and ask if they have physicians and facilities in The Villages that are "in network"?
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Old 04-16-2011, 10:05 PM
mayBavillager mayBavillager is offline
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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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Old 04-17-2011, 11:44 AM
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Originally Posted by mayBavillager View Post
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.....
I agree... shopping for healthcare coverage is a daunting task. We are also looking for coverage to take us from my retirement day to age 65. Thanks for the mention about landshealth.com

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.

Last edited by champion6; 04-17-2011 at 07:22 PM. Reason: Corrected useful information.
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Old 04-17-2011, 12:55 PM
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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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Old 04-17-2011, 02:48 PM
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Quote:
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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.
I work for a private company and have a PPO plan for my wife and me. Doctor's visit 30.00 co pay, specialists 50.00, ER 100.00, hospital 300.00 per day for 5 days. Prescription drug plan not too good. I pay over 500.00 per month and my company pays almost the same. I think your 289.00 per month is a great rate, I will take the risk of the first 5,000. I already pay 6,000 for the payments alone. Please note this rate is NJ which is high on everything.
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