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Author Topic: Pre-existing condition and insuranceI  (Read 1329 times)

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Offline milker

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Pre-existing condition and insuranceI
« on: October 04, 2012, 01:29:36 AM »
I am currently with Kaiser Permanente and I'm thinking about switching insurances when the renewal comes at the end of the year. I am lucky enough to have a few insurance plans being offered by my company, so I have a choice, but I have to make that choice in November. I'm a bit confused about the "pre-existing condition" that we hear about here in the US. Am I at risk of having my new insurance on January 1st tell me they can't pay for my medication when they figure out I'm HIV+?

Thanks!

Milker.
mid-dec: stupid ass
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Offline tednlou2

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Re: Pre-existing condition and insuranceI
« Reply #1 on: October 04, 2012, 01:56:42 AM »
I found this on the internets.  I swear I've learned all this info in the past, but have forgotten the details.  I can't be certain the accuracy from this site, but this seems to jive with what I've read in the past.  Read down the page for this:

"The bottom line: If you had at least a full year of health coverage at your previous job and you enrolled in your new health plan without a break of 63 days or more, your new health plan cannot subject you to the pre-existing condition exclusion."

http://healthinsurance.about.com/od/healthinsurancebasics/a/preexisting_conditions_overview.htm

Offline milker

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Re: Pre-existing condition and insuranceI
« Reply #2 on: October 04, 2012, 01:01:52 PM »
Thanks I heard something similar too. I'll do more research. Thanks!
mid-dec: stupid ass
mid-jan: seroconversion
mid-feb: poz
mar 07: cd4 432 (35%) vl 54000
may 07: cd4 399 (28%) vl 27760
jul 07: cd4 403 (26%) vl 99241
oct 07: cd4 353 (24%) vl 29993
jan 08: cd4 332 (26%) vl 33308
mar 08: cd4 392 (23%) vl 75548
jun 08: cd4 325 (27%) vl 45880
oct 08: cd4 197 (20%) vl 154000 <== aids diagnosis
nov 2 08 start Atripla
nov 30 08: cd4 478 (23%) vl 1880 !!!!!!!!!!!!!!!!!!!!!!!!!!
feb 19 09: cd4 398 (24%) vl 430 getting there!
apr 23 09: cd4 604 (29%) vl 50 woohoo :D :D
jul 30 09: cd4 512 (29%) vl undetectable :D :D
may 27 10: cd4 655 (32%) vl undetectable :D :D

Now accepting applications from blowjob ninjas™

Offline JR Gabbard

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Re: Pre-existing condition and insuranceI
« Reply #3 on: October 15, 2012, 10:30:37 PM »
Hi Milker,
Group insurance, which is the type you get from work, cannot deny coverage for a pre-existing condition.  That shouldn't be a problem for you switching plans if you wish.
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