Pre Existing Conditions Health Insurance Information - State by State

By MAYS Latest Reply 2011-03-30 19:53:33 -0500
Started 2011-03-23 10:52:08 -0500

The Pre-Existing Condition Insurance Plan may vary depending on what state you live in. The U.S. Department of Health and Human Services will run the Pre-Existing Condition Insurance Plan in some states, and is contracting with a national insurance plan to administer benefits in those states. Other states have requested that they run the program themselves, and each of those states has the flexibility to design the program that best meets their state’s needs.

Find out about your state by clicking on the link below:


2 replies

northerngal 2011-03-30 19:53:33 -0500 Report

Generally, If you have insurance for the past 2yrs (this is different in each state, I believe), You are allowed to continue coverage for up to 18 months. Not cheap, but then pre-existing clause doesn't take effect then. Thats why its important to keep it as long as possible. Once you lose it, unless its group insurance like through work, they can make you wait up to two years. No one has the money to pay for supplies from their own pocket. A bottle of insulin is marked at $116. Pens etc would be higher because of the amount dispensed. COBRA is the only other one I know of, but didn't realize there is a cutoff. Check with your doctor or job service. Most of the assistance programs are run through the same office and they can at least get you the information to figure something out. Good luck.

Graylin Bee
Graylin Bee 2011-03-23 19:58:47 -0500 Report

You must have overheard me last night as I was talking this over with my sister. I told her I needed to start looking for this information and I was clueless as to where to begin. My COBRA coverage will be ending in a few months and neither my husbnd or myself have become employed yet.