I am asking this question for my m-in-law. Retired early, had extensive back surgery, f-in-law has diabetes and possible heart issues. Going to be coming off of COBRA in California, and are looking for health insurance. Aren%26#039;t there health insurances like Medicaid/Care that cover hard to insure people that are in %26gt; 50yr age group?? What if they change their residency from Calif. to Texas?? Does it matter??|||50 is too young for medicare. Medicaid is for the very low income, you could certainly APPLY for medicaid, but if they have any assets, they are likely to not qualify. It doesn%26#039;t change much, the income guidelines, from state to state, HOWEVER, coverage in one state (the state of residence) ONLY covers you for services in THAT STATE. So if they CALL their residence Texas, they won%26#039;t be paid for any services in CA.
One thing to look into - if they are on SSDI, after 27 months of SSDI, they%26#039;d qualify for MEDICARE, even if they aren%26#039;t old enough otherwise.
Also, the diabetic should look into part time work, at Walmart or something. Walmart does offer group benefits to their part time employees - which is a MAJOR bonus for the older crowd.
There isn%26#039;t a group for %26quot;hard to insure%26quot; people, because as a group, you can%26#039;t get enough premium dollars from them to cover the costs, WHICH ARE EXTENSIVE. Sorry for the bad news.|||I work for a medical discount benefits company. It isn%26#039;t insurance but is very affordable. We have a great program that offers a prescription card that will cover all prescriptions for $82 a month regardless of the price (as long as they meet the income guidelines). Here%26#039;s a website to look at:
www.everybodyhasteeth.info
Like I said, it isn%26#039;t insurance but it might help. I carry it myself and it is very helpful. There are no age limits, pre-existing conditions, etc. Anyone can receive coverage and the plans are very affordable - The most being less than $60 a month and the cheapest $20 a month. IM or email me if you have any questions. Good luck!|||As long as they have credible coverage, they have rights under HIPAA. They need to apply for insurance before that credible coverage ends. They will be declined, however, they can appeal it and have coverage extended to them. I am licensed in Arizona and not familiar with California%26#039;s stae-specific rules, but in Arizona the insurers cannot increase the price more than three times the rate they would receive without the declining condition.
Underwriting guidelines are also state specific, but they should consider their options both together and individually. Diabetes and back issues may be treated differently by different companies.
Finally, I would suggest they be proactive through the application process. Since HIPAA portability policies are typically uncommissionable and not in an insurance companies best interest, they will want to be prepared to provide medical records and attending physician statements themselves.
California may also have state assistance or even insurance programs. I would contact the State%26#039;s Insurance Department to find out.|||Texas has a high risk health insurance pool. Contact a health insurance agency in Texas or The Texas Dept. of Insurance in Austin,Texas. The premiums are a little more but it%26#039;s the same coverage you would have if you were not high risk.|||take a look at our insurance place. We accept all pre existing conditions. go to http://freedombenefits.info
