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The Water Cooler
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Individual Plan Health Insurance
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<blockquote data-quote="rhodesbe" data-source="post: 1864529" data-attributes="member: 2415"><p>I have Type 1 Diabetes (the insulin kind, not the too many twinkies kind), and was diagnosed in 1998. Thanks to modern technology, I have insulin and and insulin pump, which means that I am well controlled and in good health. </p><p></p><p>I recently changed jobs, moving away from a group insurance plan to an individual plan. </p><p></p><p>I have come to learn than health insurance is not all the same, especially with regards to 'group' vs. 'individual'. While group rules cannot exclude you for 'pre existing conditions', the same rules to not apply to individually underwritten 'individual' plans.</p><p></p><p>Can any OSAer give me a bead on the best healthcare provider to apply to even with my 'preexisting condition'? I'm not eligible for the 'high risk pool' because I have not been 6 months without coverage. I'd prefer not to go any time with coverage on account of my wife and son.</p><p></p><p>Thanks.</p></blockquote><p></p>
[QUOTE="rhodesbe, post: 1864529, member: 2415"] I have Type 1 Diabetes (the insulin kind, not the too many twinkies kind), and was diagnosed in 1998. Thanks to modern technology, I have insulin and and insulin pump, which means that I am well controlled and in good health. I recently changed jobs, moving away from a group insurance plan to an individual plan. I have come to learn than health insurance is not all the same, especially with regards to 'group' vs. 'individual'. While group rules cannot exclude you for 'pre existing conditions', the same rules to not apply to individually underwritten 'individual' plans. Can any OSAer give me a bead on the best healthcare provider to apply to even with my 'preexisting condition'? I'm not eligible for the 'high risk pool' because I have not been 6 months without coverage. I'd prefer not to go any time with coverage on account of my wife and son. Thanks. [/QUOTE]
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