By YorkshireGuy Latest Reply 2012-06-19 17:44:14 -0500
Started 2012-06-19 10:52:30 -0500

Have recently diagnosed folk had problems acquiring insurance?

2 replies

ShellyLargent 2012-06-19 17:44:14 -0500 Report

Even group policies under an employer may have pre-existing condition clauses. You just have to find that information out prior to signing up for it. Ask the rep for the insurance company and they should be able to tell you if you have to go through a pre-exisiting condition waiting period before turning in any claims.

Nick1962 2012-06-19 11:52:17 -0500 Report

Welcome YorkshireGuy!
It reallty depends on several things: If you're trying to get a stand-alone policy (not through your job or anything), you may have to go through a pre-qualification. In this case, any conditions you have may cause high (almost prohibitive) premiums. Group policies (the kind where you're part of a group with an employer) are better and will generally not give you any problems. I had existing insurance and there was no issue when I was diagnosed, in fact I get discounts for keeping myself under control and healthy.
I've heard rumors that there may be some insurers charging a premium for T2's who don't show some form of control (like the increase if you're a smoker), but haven't seen it yet.
Does that answer anything?

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