Preexisting and uninsured - moving to another state

Posted: Mon Oct 29, 2012 05:27 pm Post Subject: Preexisting and uninsured

Yes, you'll be able to get an insurance policy with pre-existing conditions, evem though there are some companies who reject such applications.

Posted: Tue Oct 30, 2012 12:16 pm Post Subject:

Contrary to what adamsarthur87 has stated, you may find it difficult to obtain health insurance in any state prior to 1/1/2014 when the last sections of Obamacare take effect (assuming Congress makes no changes before then).

The best advice is to seek a local independent agent who specializes in health insurance. He/She will know which companies may be more favorable to your application at this time. But expect to be rated substandard and pay a higher premium as a result of your preexisting conditions, if you are accepted for coverage.

Posted: Thu Nov 01, 2012 05:35 pm Post Subject:

Unfortunately, there is little likelihood that you will be able to get an individual policy issued in Oregon. Oregon does not allow what's called "rating" on individual policies; rating allows an insurer to charge a particular insured more in premium due to medical or other conditions.

As a result, Oregon is what's termed an "issue or don't issue" state. I have seen situations in which a prospective insured is rejected for coverage due to very minor medical conditions, simply because the insurer cannot charge that individual insured more premium.

This is, obviously, changing with ObamaCare... good or bad.

InsTeacher 8)

Posted: Wed Nov 07, 2012 09:22 am Post Subject:

This is, obviously, changing with ObamaCare... good or bad.