Off-Topic: About pre-existing conditions.

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	Name:	Lifer -
	Subject:	About pre-existing conditions.
	Date:	11/17/2010 9:18:46 AM

I think I have posted this before, but it is worth repeating. In most cases pre-existing conditions are already covered. I am talking 'group' plans here, individual plans fall under different rules. It really frustrates me that more people don't know about what is called a 'CERTIFICATE OF CREDITABLE COVERAGE'. These are federal rules that apply to all carriers. Here is how it works.

I am employed by Alpha Widgets and covered under the company group plan. I also have diabetes, very well controlled with insulin. Omega Widgets makes me an offer I can't refuse so I go to work for them. Now I am under their group plan. What I must do is contact the carrier for Alpha Widgets and request a CERTIFICATE OF CREDITABLE COVERAGE. It is nothing more than a letter showing when coverage applied. Once the carrier for Omega Widgets recieves this, all previously diagnosed conditions are covered.

I once actually had to provide one from BC/BS of Alabama to BC/BS of Alabama when I changed jobs. As I stated it really frustrates me to see intelligent folks discussing this issue without this knowledge. But the democrats don't want folks to know these things because it empowers the consumer and takes away the abillity to deride "Big Insurance" as greedy.

Other messages in this thread:

View Entire Thread

111 Entities Get Obamacare Waivers - MartiniMan - 11/15/2010 2:11:19 PM

111 Entities Get Obamacare Waivers - GoneFishin - 11/15/2010 4:28:37 PM

Examples of Sensible Health Care Reform - MAJ USA RET - 11/15/2010 5:26:46 PM

111 Entities Get Obamacare Waivers - MartiniMan - 11/16/2010 10:17:50 AM

About pre-existing conditions. - Lifer - 11/17/2010 9:18:46 AM

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