Health insurance for pre-existing condition and self-employed?!


Question:

Health insurance for pre-existing condition and self-employed?

I have a friend that has a liver problem and can't get the treatment that he needs without insurance. He has the cash to pay but noone will take it without ins.. Any help would be greatly appreciated


Answers:

There are some guaranteed issue policies available in some states. They aren't the best policies but should help him get in the doctors office. Visit a local independent agent to see if one is available in your state. This person will know the market in your area and they don't charge you anything for the service.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.




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