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Pre-Existing Conditions And Can’t Afford COBRA – How I Finally Got Health Insurance

By Eric Sachs

I had a really hard time getting health insurance for me and my family. I had insurance through my employer but when I lost my job and couldn’t afford the COBRA payments, I lost my health insurance. Not having health insurance is very scary when you have a wife and four children to take care of.

I applied for individual insurance through a local agent. I went through the application process and submitted everything back to the agent online.

The agent eventually told me that we were declined coverage because of a “pre-existing condition.” I had some minor back issues throughout my life and the insurance company declined us as a result.

I wasn’t really sure what to do at that point. My family needed insurance but we couldn’t afford COBRA. I started researching health insurance online and found a site called Health Insurance Anthem Blue Cross. It’s a site that’s maintained by a local insurance agent named Tom McDonald. I filled out the form and then called Tom. He told me that I could get around the pre existing clause by getting a group policy. I guess if you get group insurance, the insurance company can’t decline coverage based on any pre-existing conditions. I had an LLC that my wife and I filled a few years back. She uses it to sell children’s clothes and blankets that she makes and I use it for some real estate investing work that I do. Tom told me that we would qualify for group insurance as long as we applied using our LLC instead of applying as individuals.

We went through the process of applying online and had to show proof that the LLC was active and that my wife and I were members of the company. After about a week, Blue Cross issued our policy! My wife and I (and all of our kids) finally had coverage and we were very happy with the way things turned out. We opted for a PPO and it was the type of coverage that paid our medical bills at 100% as soon as the annual deductable was met. Because my fourth child was born and my wife had to have a C-Section, our deductable was met almost immediately and all of our medical bills for the rest of that year were covered at 100% by Blue Cross! That policy saves us something like $40,000 that year because as it turned out, I needed to have another back surgery after all!

It’s very convenient to apply for health insurance online but I think it’s also very important to have a live agent that can guide you through the process and answer questions along the way. This site gave us the best of both worlds.

Looking to find the best deal on California Health Insurance, then visit www.HealthInsuranceAnthemBlueCross.com to find the best advice on Health Insurance for you.

Article kindly provided by UberArticles.com

Topics: Health Insurance | Comments Off

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Article Citation
MLA Style Citation:
Sachs, Eric "Pre-Existing Conditions And Can’t Afford COBRA – How I Finally Got Health Insurance." Pre-Existing Conditions And Can’t Afford COBRA – How I Finally Got Health Insurance. 26 Aug. 2010. uberarticles.com. 30 Sep 2014 <http://uberarticles.com/finance/health-insurance/pre-existing-conditions-and-cant-afford-cobra-how-i-finally-got-health-insurance/>.

APA Style Citation:
Sachs, E (2010, August 26). Pre-Existing Conditions And Can’t Afford COBRA – How I Finally Got Health Insurance. Retrieved September 30, 2014, from http://uberarticles.com/finance/health-insurance/pre-existing-conditions-and-cant-afford-cobra-how-i-finally-got-health-insurance/

Chicago Style Citation:
Sachs, Eric "Pre-Existing Conditions And Can’t Afford COBRA – How I Finally Got Health Insurance" uberarticles.com. http://uberarticles.com/finance/health-insurance/pre-existing-conditions-and-cant-afford-cobra-how-i-finally-got-health-insurance/


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