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Health Insurance

post #1 of 11
7/8/09 at 12:30am
Thread Starter 
I'm playing in a highly competitive basketball league this coming fall and this is the first year I won't have health insurance. I've had ACL reconstruction about 8 yrs but my knee's get hurt often but no surgery since then. If I sign up for insurance now, will it cover me if I need a surgery in the fall? I know this is pessimistic but I just don't want to go bankrupt if I hurt myself.
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post #2 of 11
7/8/09 at 12:47am
If you have a lapse in coverage for more than 60 days, the an policy underwritten for you will have a preexisting condition clause. Meaning, they won't cover anything related to prior injuries.
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post #3 of 11
7/8/09 at 1:03am
dont worry about it, Obama will take care of you.
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post #4 of 11
7/8/09 at 1:53am
The best resource out there is from the Georgetown University Health Policy Institute:

http://healthinsuranceinfo.net/

Do your research now. They lost funding last year and took the site down. Because of a grant from the Robert Wood Johnson Foundation, it's back up. But I suppose it could disappear without warning. And trust me when I tell you that there is no where else on the internet to find the information they have on that website.
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post #5 of 11
7/8/09 at 2:09am
Thread Starter 
Quote:
Originally Posted by ChiliPalmer View Post
If you have a lapse in coverage for more than 60 days, the an policy underwritten for you will have a preexisting condition clause. Meaning, they won't cover anything related to prior injuries.

Thank you for this. Does preexisting conditon include a condition (torn ACL) that has been fixed? This hasn't been a real issue meaning it never required any medical attention since the surgery.
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post #6 of 11
7/8/09 at 3:26am
Quote:
Originally Posted by brittain View Post
dont worry about it, Obama will take care of you.

Palin will quit in the middle of your treatment
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post #7 of 11
7/8/09 at 10:34am
Quote:
Originally Posted by Young Scrappy View Post
Thank you for this. Does preexisting conditon include a condition (torn ACL) that has been fixed? This hasn't been a real issue meaning it never required any medical attention since the surgery.

Depends on the insurance company and how long ago the surgery was. Some look back 5 years, others 3.
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post #8 of 11
7/8/09 at 2:49pm
if you have not had coverage for more than 63 days you will not be covered for pre-existing conditions. generally insurance companies look at your last 12 months of treatment but each company is different and each state is different. good luck.
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post #9 of 11
7/8/09 at 2:52pm
Quote:
Originally Posted by jlluch View Post
if you have not had coverage for more than 63 days you will not be covered for pre-existing conditions. generally insurance companies look at your last 12 months of treatment but each company is different and each state is different. good luck.

The website I mentioned above has a state-by-state breakdown of health insurance rules and regulations, written so the common man can understand.

Go to the site, click on your state, and the document pops up.
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post #10 of 11
7/8/09 at 3:20pm
Live in Canada. Free health care.
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post #11 of 11
7/8/09 at 3:30pm
Quote:
Originally Posted by svelten View Post
Live in Canada. Free health care.

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