Corporate ORphan
Recycles dryer sheets
- Joined
- Sep 21, 2010
- Messages
- 250
Anyone have experience with running out of COBRA insurance and getting an individual policy? I was wondering if it makes more sense to got to the doctor for a physical before it runs out and get treated if he finds anything while we have good insurance.
I have read that you shouldn't have tests done while on COBRA because then you might have a pre-existing condition when you go looking for private insurance. I thought if you don't have a lapse of 63 days between insurance policies that it didn't matter?
My husband and I will be 55 next year when the insurance runs out so we figure it will cost us plenty even without any pre-existing conditions.
Anyone know what would be the best thing to do? Do they require a physical normally when applying for new medical insurance?
I have read that you shouldn't have tests done while on COBRA because then you might have a pre-existing condition when you go looking for private insurance. I thought if you don't have a lapse of 63 days between insurance policies that it didn't matter?
My husband and I will be 55 next year when the insurance runs out so we figure it will cost us plenty even without any pre-existing conditions.
Anyone know what would be the best thing to do? Do they require a physical normally when applying for new medical insurance?