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Posted in Uncategorized | August 27th, 2011

Explain Pre-Existing conditions in relation to health insurance in Ohio???

Hi All,

I hold medical insurance through United Health Care at my company currently. I am seeing a doctor for some minor symptoms, but these symptoms could also possibly relate to something more serious. Probably nothing. But, I am also interviewing at another company. I see a doctor next week and if something serious does come out, how would that work if I did take a new job and insurance at the same time. Insurance would start Aug 1 at the new place. Would I be better to pay Cobra? What if I don’t find out results until after the new insurance starts. I assume that is “pre-existing”.

Let’s say the worst happens and I do have something more serious and took the new job and insurance. What would be the next move there?

I know laws differ by state. I am in Ohio. I also know to not go without insurance and have no gaps. Which, in this case I wouldn’t since July’s coverage would end with my current employer and Aug would start the new insurance.

No one can give you the answer you seek that you can rely on because insurers are notorious for finding a loophole to NOT pay for something that they should.

Asymptomatic people who have gotten insurance and three or so months later discovered that they have cancer, say as a result of a routine mammogram, have been denied by some insurers because “clearly” the cancer was a “pre-existing condition.” That the patient had NO symptoms and sought no treatment doesn’t matter. Employer-sponsored insurance is dangerous–that ERISA shield is yet another illegal gift to insurers–they can deny legit claims with impunity. Read Jamie Court’s Making a Killing at

http://www.makingakilling.org/

Specifically see

http://www.makingakilling.org/chapter5.html

under “The Poison Pill” header.

Want REAL insurance without BS? Got to support Cassandra Nathan’s sensible, comprehensive, VOLUNTARY plan:

http://www.booklocker.com/books/3068.html

See PDF for basics of real reform.

Oh and why I said what I did at the start, let’s say an attorney were foolish enough to answer your question definitively–think you’re going to be able to win a case against him when the new insurer refuses to pay? Nope, you won’t. Ask the new insurer, raise red flags. You might as well do the COBRA if you can until you have a resolution of your situation, but you may need to take the new employer’s insurance as well (that may or may not work with COBRA–have to ask HR folks about that). Present system is designed solely to line insurers pockets by placating the masses who have no big health concerns–and it’s working brilliantly for them while bankrupting the country and ruining our health care system.