DawgTalkers.net Forums DawgTalk Everything Else... Health Insurance warning

Ok, as some of you know, I'm unable to buy health insurance on my own because of some really stupid pre existing conditions.

So I have my ear to the road to find insurance because right now, we are both covered under my wifes plan. Without going into detail (and it has absolutly nothing to do with obamacare) we may find ourselves having to jump on COBRA for 1000 per month. So you can see why I'm trying to get insurance from other sources.

Well, apparently, there is a major scam going on. It's a company out of south Florida called Americans Health Insurance Brokers.. sounds like a boiler room kinda deal. They offered me full coverage for myself at 251 a month..

But they needed me to sign tonight, otherwise, the plan may not be available tomorrow. So I asked the guy to send me info via email,, he refused. I said you can tell me all the details, he said yes, I asked if he remembers the details verbatim, he said no, I have the info right in front of me. So I asked him to fax it to me. Click

It's sounding a whole lot like a scam folks.. so if you are out there looking for health insurance,,, beware.. with all the changes coming, the snakes are coming out of the woodwork trying to sell you a pig in a poke

If the won't let you visually see the plan, see the details, give you a day to review it,,, then run.. run fast..

I hope you're going to turn them into the FBI.

I thought Obamacare already made it illegal to turn people down for preexisting conditions? Am I wrong? If I'm right are they just gauging you? These are honest questions. I am so confused about what has and hasn't happened with that law. Whatever the case I hope you can find what you need.

This looks to be just for Ohio:

http://www.healthinsurancechaser.com/

don't know much about them, sorry

Anthem Blue Cross and Blue Shields Pre-Existing Condition Clause for Ohio, Kentucky, and Indiana
Posted by Andrew FriesnerMarch 4, 2008Preexisting Condition Clauses vary from state to state, but the basic concept is:

If you have not had coverage in the past 63 days, then you are subject to a look back that determines how far the insurance company will not cover the expenses related to the condition going forward. The expenses related to the condition include all services and prescriptions.

Therefore, it is impotent to choose a plan that will best suit your need to pay for the preexisting conditions in addition to the covered services. One company that does a great job of advising you in these situations is http://www.healthinsurancechaser.com/ (Phone: 1.877.775.4321). Because no policies are created equal, it is important to speak with an unbiased health insurance advisor about your specific situation.

Here are a few state specific examples of how the preexisting condition clause reads with Anthem Blue Cross and Blue Shield:

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http://healthinsurancepost.org/uncategor...ky-and-indiana/
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OHIO LANGUAGE


A pre-existing condition is defined as an illness, injury or condition which within six months prior to the

effective date manifested itself in such a manner as would cause an ordinary prudent person to seek

medical advice, diagnosis, care or treatment or for which medical advice, diagnosis, care or treatment

was recommended or received. Pregnancy, which exists on the effective date, is also considered a preexisting

condition.

Pre-existing conditions are only covered after the coverage has been in force 12 consecutive months,

following the effective date of coverage. Credit for a prior carrier’s pre-existing period may be given, if

that coverage was continuous to a date not more than 63 days prior to Anthem’s receipt date of a

completed application.




Tri-State


Prior coverage can be from a group, individual or short-term contract, (Medicaid qualifies as prior

coverage) but it must be a major medical type policy. To apply for pre-existing credit, the applicant must

complete the section for prior coverage information on the application. Credit is not available if the prior

coverage was an indemnity plan, hospital only plan or supplemental policy.

Short-Term

A pre-existing condition is an illness, injury or condition, which within 24 months prior to the effective

date, manifested itself in such a manner as would cause an ordinarily prudent person to seek medical

advice, diagnosis, care or treatment or for which a medical advice, diagnosis, care or treatment was

recommended or received. Pregnancy, which exists on the effective date, is also considered a preexisting

condition. Pre-existing conditions are not covered for the term of the certificate. If you become

pregnant during the term of coverage, the plan only covers complications

PD, the pre existing condition thing doesnt start until 2014.

Daman, was it a Nairobian prince covering the insurance policy?

I know that the State of Ohio Department of Insurance offers a plan for those who are considered uninsurable because of pre-existing conditions. It is a high risk pool, and pretty crappy coverage though. With a $2500 deductible, and IIRC, a 70/30 co-pay. Also, IIRC, these plans do not provide for prescription coverage, or doctor visits. If you are interested, though, you can probably call them for more details.

You do have to be uninsured for 6 months though.

https://www.ohiohighriskpool.com/

Here is a list of what they consider pre-existing conditions: https://www.ohiohighriskpool.com/global/docs/OHRP%20Pre-Existing%20Conditions.pdf

This is just like the other sites that promise to find you insurance. Not much differeent then the one I went to get get to the broker that I started this thread about. Be careful with this type of stuff

As for the Ohio Risk Pool, we don't qualify. you have to be uninsured for 6 months to qualify.

I think he's referring to those email scams where they say that they need your bank account information so they can hide their millions of dollars with you.

As far as health insurance goes, I think we probably just need to take you out back and shoot you.

Quote:

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the snakes are coming out of the woodwork trying to sell you a pig in a poke

---

I thought we ended all that November 6th.....

[quote
it's been my experience that if someone wants your money before they send you anything in writing for you to review and they are telling you this has to be done now,, its' generally a scam of some sort.

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sounds like our government.

j/c

I thought with all of the educated talking heads in here they could grasp the concept in something being emplimented in stages, comprehend it and read a calender.

So much for that line of thinking.

I'm tired of doing everyone's homework for them. If you wanted to know, you would have googled it and found out.

It's out there and easy to find. So if you want to know, Google it. It may be better than just throwing crap against the wall hoping some of it sticks.

Here, I'll give you a hint to help you out.......

Google Timeline for phasing in obamacare

Everything is laid out.

I was being somewhat sarcastic to your post that comes across as deameaning. But that has been typical of you the last few weeks.

Your posts often conatin some very good opinions and information, but lately your posts come across with an attitude like someone pee'd in your wheaties.

Don't you find it pretty ironic, that something that's so easily available to anyone who cares even attempt to look, has to ask if "I have a calender"?

Just read the four or five posts proir to my response. People sound like a raving band of idoits sitting there making snide remarks about something so easy to find and that yet they know nothing about, and don't even care to take the time to look and see how it's to be phased in?

That's the thing. It seems most have no problem taking the time to look up things to try to take a jab at something they don't like. Even when they have no clue how the thing "they don't like" is to be implemented.

They are unwilling to look at the impact Romneycare had in Mass. Believe me, I do watch many news channels and FOX News is one of them.

I have looked at the proposal Obama made to get The Grand Deal done before. I posted a link to the entire proposal? Do you think anyone looked at it?

It proposed cuts in medicare, Social Security, medicaid, military, and many such cuts in social programs. But rather than even bother to look at it, they'd rather spend their time claiming conspiracy theories and putting blinders on.

Does it get frustrating? Yes it does.

Looking at that proposal is exactly why I know that Obama will be willing to compromise. Because I witnessed the actual proposal he put forth before.

Will he settle fo zero tax hikes on the very rich? No, I don't think he will.

What I would bet money he will be willing to propose are some major spending cuts in social programs, cutting some tax loopholes (both of which the GOP wants) and then raising the dollar amount on those tax hikes. Anywhere from 500k to 1 mil.

That's a balanced way to approach the problem from all angles. Will the liberals be happy? No way! Will the Tea Party be happy? No way!

But usually, if you PO both extremes and find a middle ground, you've done the best for everyone in the middle. Yet to hear it told, Obama won't be and never has been willing to compromise.

That's just not true. I don't think Obama is the perfect president, but all of these sour grapes, people bitter over the election, ddom and gloomers that are simply unwilling to look at his propsal, that would use talk radio and FOX News talking points at face value rather than try to take an objective look for themselves is just silly.

So do I jab back? Yes I do. Now if you are serious about wanting to know the timeline to healthcare, it's a very easy thing to find. If you wish to see the actual documents of the compromise Obama offered...............

http://presspass.nbcnews.com/_news/2012/...b-woodward?lite

Somehow they wish to demonize him for wishing to spend less than 1 trillion on healthcare while Romney wished to spend 2 trillion on war ships?

None of this really makes any sense. Many supported a candidate who wanted to spend over double on something that really isn't necassary while we have millions in our nation with no healthcare that could be addressed at half the cost.

So yeah, I throw out a few flames from time to time. In case you missed it, I'm not alone in that department.

Like I said, my comment about the calendar was somewhat sarcastic because I thought you were kidding. I honestly never thought there was an actualy "calendar", timetable yes, but I wasn't willing to rummage a bunch of crap to find it.

In the end I just don't really care, as it is what it is at this point, and we can revisit it in 5 or 10 years and see if the Affordable Care Act works out as a good idea or a bad idea. I can see how it would do a lot of good, which was never my opposition to it, it is the implementation without any concession to get healthcare costs under control. Maybe they think that with fewer bills going "unpaid" that costs will become to come down "Trickle down" effect if you will. Although I think prices may not continue to rise, but I hardly doubt they will come down. They will still charge $10 for the same tylenol I can buy in the store for 1/50th that cost.

What I find Ironic is there are people out there that flame the hell out of Obama Care but didn't take the time to read what they were flaming.

Are there issues,,, You betcha.. some major, some not so major. And somethings that I think are pretty good.

But if someone wants to flame it, they should have at least taken the time to get the data that's available.. After that, if someone feels it's still necessary,, Flame away.

The problem I have with what you are saying, is that it requires a belief that a politician will actually do what he says he will do, and that things that are supposed to take place, In The Future, will actually happen as specified.

I would sooner trust your average used car salesman. Actually, even one that was way more dishonest than the average used car salesman.

The whole problem with taking on health care costs is that there is no upper limit on how high it can go. You would not buy a house or a car or any other item without knowing the final bill you will be paying. No matter how the numbers are manipulated, it must be recognized that there exists a point beyond which we cannot go.

Do you liquidate your house, retirement savings, and kid's college fund to give your 78-year-old grandmother a hip replacement, with a life expectancy of less than 5 years? Does the decision to do so belong to her, you, or somebody else? Do you have the right to force your neighbor to do these things, for Your grandmother, OR his?

My own mother made a similar decision. It was NO.