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To: Kaslin
"In 45 states across the country, insurance companies can discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market."

The flip side of that statement is: In 5 states across the country, insurance companies can not discriminate against people based on their pre-existing conditions when they try to purchase health insurance directly from insurance companies in the individual insurance market.

In my state, "An individual applicant without prior coverage may have to wait for up to one year for coverage of a pre-existing condition." But after that, they are covered.

6 posted on 06/20/2012 6:40:55 PM PDT by Sooth2222 ("Suppose you were an idiot. And suppose you were a member of congress. But I repeat myself." M.Twain)
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To: Sooth2222

Just finished working for a company that was self insured they had a 1year wait on pre existing conditions. Didn’t matter on previous coverage. They didn’t say anything just denied payment. I had to quit because it was too expensive. Current employer no wait on pre existing.
You don’t know till the bills come in. There should be a disclosure.


7 posted on 06/20/2012 6:55:23 PM PDT by BeAllYouCanBe (Until Americans love their own children more than they love Nancy Pelosi this suicide will continue.)
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To: Sooth2222

Just finished working for a company that was self insured they had a 1year wait on pre existing conditions. Didn’t matter on previous coverage. They didn’t say anything just denied payment. I had to quit because it was too expensive. Current employer no wait on pre existing.
You don’t know till the bills come in. There should be a disclosure.


8 posted on 06/20/2012 6:55:42 PM PDT by BeAllYouCanBe (Until Americans love their own children more than they love Nancy Pelosi this suicide will continue.)
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To: Sooth2222

Looking at short term policies in Ohio. 12 month wait to cover pre-existing but its waived for children under 19. My insurance runs out next week so I am getting everything possible in for me and my family before that time. However, I can’t get my annual liver CT scan for tumors I have had for years. I am monitored for their growth as they are quite large but the procedure will be denied for that first year.


11 posted on 06/20/2012 7:04:17 PM PDT by nurees (Oh...there is a NEW Mexico (Homer Simpson))
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To: Sooth2222

I bet that 90% of all insurnaces have a year to two year wait period on pre-existing conditions.

The four different companies for whom I have worked (in different states) all had this requirement.

This the clear SUPER-MAJORITY.


12 posted on 06/20/2012 7:05:29 PM PDT by ExTxMarine (PRAYER: It's the only HOPE for real CHANGE in America!)
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To: Sooth2222
In my state, "An individual applicant without prior coverage may have to wait for up to one year for coverage of a pre-existing condition." But after that, they are covered.

That has been the federal law (I believe) since Clinton was in office.

22 posted on 06/20/2012 8:33:39 PM PDT by Straight Vermonter (Posting from deep behind the Maple Curtain)
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