Question:
I am almost 1 month post op .... I havent worked since

Last August and have been paying Cobra which is $300 a month! Ouch!! Now that my surgery is over and I am going to start looking for a job. I'm confused about new insurance. If I get new insurance will they consider any follow up visits to my dr a pre existing condition and they wont be covered?    — Summersect (posted on March 17, 2002)

March 17, 2002
No it will NOIT be preexisting as long as you have insurance continiously and seemlessely. So dont drop Cobra for any reason.
   — bob-haller

March 17, 2002
If you are still a COBRA recipitent, then you will be given a HIPPA form which is just a document that states you were on group insurance along with the dates. All insurance is subject to state regulations. I am a Licensed Life and Health Broker in the state of CT. My state's Health Ins law is written so that there is what is called "Guarantee Issue" on HMO or group products. Therefore any member of a group would HAVE to be covered by the groups employer REGaRDLESS OF HEALTH STATUS OR PRE-EXISTING conditions. As far as Individual Plans, these are much tougher to get and the insurance company can rate, exclude or deny you coverage. The best bet would be to become employed by a company that has group benefits and read and ask questions if you do not understand their benefits.
   — Elaine S.

March 17, 2002
Hi I just wanted to let you know that I pay 400.00 a month for insurance just for myself. Since I am self-employed this is the only insurance that I was able to get. So consider yourself lucky that you only had to pay $300.00. I hope when all my appointments are done, that they approved me for sugery.
   — paulsgirl

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