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| *The Commerce Journal>>>Insurance |
How can a high-risk individual obtain health insurance??? |
I'm been having a rough time finding insurance, you guys are about my last resort. My employer won't offer me health insurance till November and I am being constantly denied by health providers due to pre-existing condition. Any ideas?... I live in Ohio if it helps. Did your last employer cover you? Were you offered COBRA? If you were offered COBRA, you should contact an insurance agent that specializes in life and health insurance as they will know what programs will work for you the best. Your chances of getting insurance are slim to none at this point unless you want to pay A LOT for it. Have a pre-existing condition? How does the State of Ohio provide access to the medically uninsurable? The number of non-elderly uninsured in Ohio is 1.3 million. Ohio requires HMOs and insurers in the individual market to hold annual open enrollment periods during which they must accept all individuals who apply for coverage up to statutory limits. If there is no previous coverage or the individual is not HIPAA eligible, pre-existing condition exclusions may limit coverage for up to twelve months related to conditions in existence during the six months prior to coverage. Insurers must offer basic and standard plans during open enrollment. For more information, contact the Ohio Department of Insurance Consumer Services Division at 1-800-686-1526 or (614) 644-2658, or the Department鈥毭劽磗 website at www.ohioinsurance.gov. Keep checking, don't give up. Did you ask Yahoo search engine? Also, be prepared to pay very high premiums. Good luck. look to see if your state has a high risk pool insurance http://www.healthinsurance.org/riskpooli... Sorry to hear about your plight. In the meantime you could get the mysimplecard membership that will help you with doctor's visits and hospitalization. That way you could at least diminish your health risks by having access to doctors and hospitals. http://mysimplecard.com |
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