Health Insurance: Cannot get health insurance through company I work for. What is a good provider for good coverage and price

Cannot get health insurance through company I work for. What is a good provider for good coverage and price??
I need to get health insurance at a decent monthly cost and good coverage. I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
Insurance - 7 Answers
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1 :
Try Kaiser it might work for you.
2 :
Having a waiver for this particular pre-existing condition should not be a major concern in my opinion. Your local Blue Cross plan will most likely issue a policy, but exclude this condition from coverage. An option would be to purchase an HSA, (Health Savings Account,) qualified plan. Deposit monies into this account to pay for any medical bills up to your deductible, tax free. You will be surprised how inexpensively you can obtain excellent coverage on a standard PPO type plan, (including coverage for doctor visits, prescriptions, annual physicals, etc.,) without having to meet a deductible first. PPO's are different from HSA'S, but both will give you coverage and peace of mind.
3 :
You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
4 :
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile You can do the Total Health program which is Only $39.95 per month which includes Dental Vision Coast to Coast Amerisight Prescription Medco EZ Meds Chiropractic Physicians Primary Care Specialty Hospital Advocacy Mental Health Let's Talk Counseling several ntwk providers NurseLine Wellness Program Infuse Ancillary & Elective Services Epic Hear PO AHAA Cosmetic Surgery Diabetic Supplies Diagnostic Imaging Radiology Physical Therapy Astrum Hearing Medstat BEST PART IS THAT IT COVERS YOUR WHOLE HOUSEHOLD! Anyone that lives in the same house as you. It's only $39.95 per month. The vision has more than 12,000 optical providers nationwide including most national chains such as LensCrafters, Pearle Vision, Sears and JC Penney. Save 20% to 60% on all frames, lenses, tints, scratch-resistant coatings and ultra-violet protection. The prescription plan saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens. If you want more info on it you can go to http://www.mybenefitsplus.com/kmile I hope this helps!
5 :
your state farm bureau office Pennsylvania Farm Bureau uses Capital Blue Cross but you must be a member ($75 membership fee) there may be a wavier period of 6 months no problems with said pre-existing condition

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Sunday, November 4, 2012

Cannot get health insurance through company I work for. What is a good provider for good coverage and price