Insurance Question!

[chai]

I heard PE is the one clause that will stand.

You are correct as far as I know unless nothing changes, the pre-existing clause doesn't change until 2014.

 

[chai]

My mother lives here and my father lives in Toronto. I'm not sure where I'll end up after school. Perhaps NYC.

do you plan or coming back post your education? Do your parents or other family live here or Atlanta?

 

[TXWildflower]

You would be making a big mistake to lie on an insurance application. Especially one of this magnitude. It could almost be considered fraud I think. I agree with another posters idea of checking out your state laws, and some states do have high risk pools - premiums are not cheap with high deductible. If a private insurerr finds one thing you lied about on the application - they are going to deny you coverage - not just for heart condition, but for anything including being in a car wreck. Insurance companies are for profit companies and if they can find a way to deny you they will. They will consider your application for insurance null and void, thus no contract. Janie has it right - tell the truth, you may not be covered immediately for your valve situation, but I was doing 6 month echoes for quite sometime, so maybe you can beat the pre-existing waiting period, before it's time to do the operation. Of course echos and cardio may not be covered for awhile.

 

[dick0236]

You would be making a big mistake to lie on an insurance application. Especially one of this magnitude. It could almost be considered fraud I think..

Untruthful answers ARE fraud on an insurance application. Life insurance has a two year "contestable" period. If you get thru two years, the policy can not be canceled for fraudulent answer. This is not to protect the insured, it is to protect the beneficiary. Health insurance......medical or disability income has no such two year "contestable" period. Insurers can underwrite after issue and deny coverage for any condition that is proven to have existed at the time of application. If you hit them with an OHS claim($100000+), they will look at your history thru a microscope.

Maybe this has changed since my retirement from the business, and if I am wrong, please correct me.

 

[Jkm7]

I heard PE is the one clause that will stand.

Pre-existing condition cannot be reason for denial for children; it does not kick in for adults until 2014.
How old are you? You say full time student..... are you a minor?

 

[dick0236]

Pre-existing condition cannot be reason for denial for children; it does not kick in for adults until 2014.
How old are you? You say full time student..... are you a minor?

Don't hold your breath on these improvements:frown2:. Congress is in the process of trying to repeal the entire Health Reform Plan. The House of Reps voted yesterday for complete repeal. It now goes to the Senate for another review. If they also repeal, it will go to the President for his repeal. However, it is unlikely that the President will repeal the bill:wink2:.....but hold on to your pocketbook and "pants".....I think we are about to get scr_wed.....one more time:eek2:. I think we should be annexed by Canada. I want what they got.....and for the few on here that would tell me to move there:rolleyes2:....go suck on a lemon:angel:,

 

[Lynlw]

Pre-existing condition cannot be reason for denial for children; it does not kick in for adults until 2014.
How old are you? You say full time student..... are you a minor?

From his first post, he is 32.

 

[Jkm7]

Sorry. I did not recall all details.
When I picked up on the fact he was a student, I thought it possible he is a minor.