Health Insurance and Pre-Existing Conditions Missoula MT
Company: Estate Conservation Associates
Franklin & Marshall College A.B.
Stanford University M.A.
Years Experience: 34
Supplemental Medicare Insurance,College Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Long-term Care Insurance,1031 Exchanges,Wealth Engineering,Stock Market Alternative,Wealth Management,Life Insurance,Inves
St. Louis, MT
East Polson, MT
Health Insurance and Pre-Existing Conditions
Health Insurance & Pre-Existing Conditions
Do you have a pre-existing medical condition? Have you been looking for insurance? Perhaps you've just moved from one job to another and are finally able to get health insurance through your employer, but you weren't previously insured and you've been under treatment for some health-related concern in this period.
At this point, it can be a tough process to find insurance once you've already proven that you need the insurance. After all, the risk you pose to the insurer has just gone up. Frankly, insurers prefer to insure people who are not likely to NEED the insurance.
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The terms used in the health insurance industry for coverage that will take someone with a pre-existing condition are open enrolment plans and takeover benefit's. It helps to use these specific terms when shopping for health insurance to communicate clearly the type of coverage you are seeking. Keep in mind that most U.S. health plans do not offer these features. Also, these plans have different meanings within specific health plans and both do not always go together, especially when enrolling in a new health plan without prior coverage.
Although this type of health insurance is available to everyone who cares to go through the steps necessary to locate an appropriate plan, the price of this coverage can be two to three times the amount of health insurance that does not offer this coverage. While most of these procedures are governed by federal law known as HIPAA, the specific procedures vary significantly from state to state.
Having said that, generally for individuals not eligible for commercial health insurance plans, there are three categories of health insurance plans that offer open enrolment and takeover of pre-existing medical conditions:
- Basic Health Insurance: Basic health insurance is a limited coverage plan that is available in most states. It admit's all applicants under age 70 and pays for pre-existing medical conditions after being enrolled for six months. As the name implies, this insurance covers limited items and not all medical costs. If this would meet your needs, see your state page at www.MedSave.com for information about availability, rates and enrolment.
- COBRA plans: COBRA is a very specific plan that is available if you are leaving a qualifying group plan. It does not apply if you have had insurance individually. If COBRA coverage might apply to you, you should contact your sponsoring employer or your group health plan directly to access benefit's.
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Montana State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse treatment, autism, breast reconstruction, chiropractor, contraceptives, dependent coverage (including newborns, adopted children, dependent studenst/adults, disabled dependent adults, noncustodial children and stepchildren), diabetes (self-management and supplies), facility (public or other), home health care, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, naturopath, newborn hearing screening, nurse (midwife, anesthetist, practitioner), physical therapist, physician assistant, PKU/metabolic disorder, professional counselor, psychologist, social worker, well child care
Missoula Adult Asperger Support Group
Dates: 11/24/2011 – 11/24/2111
1st United Methodist Church Missoula
300 E. Main St
We are a support group for adults 18 and older professionally or self- diagnosed with Asperger's Syndrome. (So far, most of us are 50 and older and recently diagnosed.) We seek understanding of the nature of our difficulties and seek and offer strategies for making our lives richer and more functional. If you think you may be an Aspie and want to learn more about the Syndrome, you are welcome to join us. We will make exceptions to the age restriction on a case-by-case basis. There is no charge to attend, but donations to cover minimal costs are accepted. On the 5th Thursdays of a month (5 times a year) we invite spouses, relatives and friends to join us. Check with us for exceptions to this during this holiday season.