I Have Pre-Existing Conditions

 

I don't have any coverage, and

  • I'm healthy. 
  • I have pre-existing conditions.

    Some pre-existing conditions are declinable conditions, and some are such that the carrier will still offer you coverage. It could be at the standard rate or at a higher level. This can be anything that has required medical attention. Generally speaking, carriers require that you be treatment- and symptom-free for the past X amount of months (up to their underwriter's discretion). In addition, smoking (anytime within the past 12 months) is a rating factor, and will most likely increase the standard rate by 20% or more. If you think you have some health issues that may not be favorable to a carrier, email us to explain your situation. We are not underwriters, but we can often find out how a specific condition will be viewed by the carrier before you go through the process of actually applying for coverage. 

    We ALWAYS recommend that you DO NOT cancel any coverage you may currently have until you've received approval in writing from a carrier. If it is an option for you, choose COBRA benefits over nothing at all. Medical costs can create a much more difficult situation for you than COBRA premiums.

    If your health is such that you would not qualify for a traditional plan, and COBRA is not an option for you, you may be eligible for the California Major Risk Medical Insurance Program (MRMIP). Another option may be the new California Pre-Existing Condition Insurance Plan program. Please contact these programs directly for more information.
  • I'm 65, turning 65, or disabled. 

I have coverage now, but

Back to Individual/Family Home

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As a broker, we can offer a wide variety of individual and family health plans.  The recent Health Care Reform law expanded benefits to all health plans.

New provisions include:

  • Preventive Care
  • Dependent Coverage to Age 26
  • No Lifetime Limits
  • Guaranteed Issue to Children under 19 years of age

Contact us for help with your individual and family health plan needs today.

Coming off COBRA? See 5 Tips for Life after COBRA.

Frequently Asked Questions

 What's my reason behind the search for health coverage?
What are my options? 
How do I know which type of plan is right for me?
I'm SO CONFUSED! What's the difference between a Co-Pay, Co-Insurance, Deductible, Out-of-Pocket Max?
I don't know a PPO from an HMO from an HSA. Which one is right for ME???!!! 

 

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