Re: Advice needed on Indiv Med Ins Plans
Do you have ANY preexisting conditions, tests that have had any abberrant results, or anything in any physical that resulted in advice from the doctor? Slightly high cholesterol, high blood sugar, a test that showed something that had them re-test to determine if the original test was accurate, even if the re-test showed no problems?
If you answered "yes" or "maybe" to any of the above, you might have a lot of trouble getting individual health care. You might have to pay out your cobra and then use the healthcare portability act to force a provider to take you.
A lot of people here use the high deductible with HSA approach, tromboneal did a report on it a little while ago...maybe a search will find it for you.
As far as qualification goes, I had a blood test over 4 years ago that turned up a minor thing on one of the liver enzymes...a retest showed that the original test was just off. My doctor said "You probably just ate a big steak or something before the original test". When I applied for individual blue cross coverage, they rejected me on the basis of that old flakey test.
Make sure you have coverage in writing before cancelling your existing coverage. The blue cross rep I talked to said "everythings all set", I asked "so you're going to cover me?", "oh sure...you should be getting the paperwork in the mail in a week or two". A month later, after I cancelled my old coverage, they sent a rejection letter. :P
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.