doesn't have info on California. Does any know the following about California:
If you are HIPAA eligible (no gaps in coverage) can a private insurance plan (e.g. something from http://www.ehealthinsurance.com/
) say they won't cover preexisting conditions? I read the plan materials for one Blue Cross plan I was interested in. They said that the 6 month waiting period on preexisting conditions does not apply if I can use my HIPAA certificate for credit (which I can). But what I wonder about is whether they will simply offer me a plan with my preexisting conditions named and excluded.
I've read that this is a common thing to have happen... you submit your application listing preexisting conditions, and get back a response saying you are eligible for coverage but those conditions you listed are excluded. I know in some states they can't do that, but I'm not sure about CA.