Quote:
Originally Posted by onwebcam
Good luck on that one. If you're diagnosed with cancer you're not getting insurance from anyone but the government. That's like saying you'll buy a warranty for my car when the engine goes out. You're every doctor visit and your condition is cataloged for this very reason. The insurance company is a for profit company. They damn sure aren't going to sign you up on their policy when you'll cost them a million bucks minimum and you're paying a few hundred a month.
|
Wrong.
Maybe read up on Blue Cross Blue Shield before you make these comments chief. I obvioulsy have.
In Michigan, they are a non-profit, and they DO sign up anyone. Terminal or not. However you have to wait the 6 month grace period of whatever.
Quote:
Will you cover my preexisting conditions?
BCBSM nongroup coverage requires a 180-day preexisting exclusion period. If you had a medical condition for which medical advice, care or treatment was recommended or received 180 days before the enrollment date, any services to treat that condition within the first 180 days after enrollment will not be paid by BCBSM. You will be responsible for paying for those services.
Return to top
Are there any exceptions to BCBSM's preexisting exclusion?
You may be eligible to receive credit for prior health coverage if you meet all of the following criteria:
If I've chosen a Flexible Blue or ICBlue plan, will I have to pay for office visits after I've exhausted my two office visit benefit?
* Had at least 18 months of coverage with no more than a 62-day break. Coverage may include group health plans, individual health insurance, Medicare, Medicaid, public health plans, military or federal benefit programs, Indian Health Service, or other health plans. Freestanding benefit programs, such as dental and vision coverage, cannot be counted as prior health care coverage
* Had the most recent health coverage through an employer group policy. Enrollment in Associations and Chambers, one-subscriber groups and sole proprietorships is considered individual coverage, not group.
* Are a Michigan resident
* Do not currently have health coverage from Medicare, Medicaid or any other health insurance carrier
* Did not have your last coverage terminated due to premium nonpayment or fraud
The member will not have to meet the 180-day preexisting exclusion period if he or she:
* Meets all the criteria listed above
* Presents a “certificate of coverage” as proof of prior coverage, including COBRA documentation, if applicable.
|
Good luck on that whole reading and researching thing toots.
http://www.bcbsm.com/myblue/buyout_faq.shtml