If you’ve ever tried to buy health insurance with a pre-existing condition, you know how hard it is. But if you haven’t, try this little experience which outlined in a blog on ScholarsandRogues.com by Samuel Smith:
Just for fun, pick up the phone. Call any health insurance provider – Blue Cross Blue Shield, Kaiser, United, Wellpoint, Cigna, Aetna, any of them will do. Tell whoever answers that you’d like to buy individual coverage. They’ll be polite and helpful and will initiate a pre-screening process. You’ll be asked some basics about yourself, and then they’ll get to a question that will go something like this:
Do you have or have you ever been diagnosed with any of the following conditions? [Proceeds to read laundry list, which will include things like HIV and diabetes.]
Answer yes to any of these items.
Thank you, sir. I’m sorry, but we’re unable to offer you coverage at this time. Thank you for calling and have a nice day.
If you feel like maybe you just called the wrong provider, try the same thing with another one. And another, and another. Go ahead, I’ll wait.
This is why I said what I did to my GP. The instant he checked the diabetes box in the medical records system, he assured that no insurance company would touch me at any price.
Have you tried buying health insurance with a pre-existing condition? Tell us about it in our discussion forum!
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