Individual health insurance with fibromyalgia?
I have fibromyalgia, was diagnosed years ago. I have not had insurance for about half of that time. Does anyone know how to find affordable individual health insurance with a preexsisting condition? I have foun d plenty of plans that will cover me eventually but I cannot afford to pay the insurance premium and my doctors visits and prescriptions while I wait six mths to a year to get covered. Please do NOT suggest e-surance, they do not have affordable plans that cover pre-exsisting.
lakrluvr posted: 23 Aug at 11:42 am
Unfortunately that condition is uninsurable for most carriers on an individual basis. The only companies that would insure you are health benefits (discount) carriers or MRMIP but those are very expensive as well. I know its a tough situation to be in but the only other alternative is to get benefits thru an employer because those policies are guaranteed issue. Best of luck!
mbrcatz posted: 23 Aug at 12:22 pm
Yep, online health insurance websites, for the most part, harvest your personal info and sell it as leads.
Most plans won’t take you at all – so if you found some, you’re in a guaranteed issue state, or a state with a high risk health pool. That means, they’re GOING to have to price it, according to your risk.
With what you have going on, that’s PROBABLY your best bet. Insurance companies can’t swap $200 a month in premium, for $800 a month in known payouts, and even more for a bad flareup or serious health condition, and stay in business.
You could sit down with a local health insurance agent, but they’ll probably tell you the same thing. You have an expensive preexisting condition. Companies that cover those, on the cheap, are called “bankrupt”. Only government programs – financed by the taxpayer – can cover them. Sorry.
justmeinthisworld posted: 23 Aug at 12:34 pm
i was able to get a indivdual BLUE CROSS plan that covered me and my fibro for about 500/month—but it was immediately after i left a group plan
Insurance Helper posted: 23 Aug at 12:34 pm
If you live in a state that has risk pool insurance, this may be your best option. Risk pool insurance is a state-sponsored plan for persons who cannot be covered by traditional insurance because of pre-existing conditions.
Risk pool insurance will not necessarily be affordable, but you will be insured, usually with very reasonable deductibles.
mblack posted: 23 Aug at 12:45 pm
I noticed your concern about having affordable healthcare, and I have something you should take a look at. Go to http://www.doblack.provisionusdirectsales.com and listen to the video presentation. I believe this may be the answer to your healthcare concerns. The service only costs $49.95 per month for the entire household to use. I have this service and it allows me and my family unlimited access to over 300,000 Board Certified Physicians 24/7 and it also provides up to 60% discounts on my medications. If you are interested, you can also sign up online by clicking Register Today at the top of the webpage.
Benny posted: 23 Aug at 1:26 pm
healthplans.bebto.com – here is my health insurance plan. As I remember they can provide such a service.