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How do you get health insurance if you have a pre existing medical condition?

I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will cover me. What do I do? Should I just lie and hope that they don't find out (or research into my medical file)? It has been over a year since my diagnosis and treatment. Why do they still refuse me and is there anything I can do to change that? How long will it be until that will be "erased" from my permanent record?

Asked By: emily b - 4/14/2008
Best Answer - Chosen by Asker
First I would suggest you work with a qualified broker... More
Answered By: insguy - 4/15/2008
Additional Answers (4)
Typically 18 months must transpire from your last treatment to allow you to be covered for the pre-ex condition. Do NOT lie about the condition--if you tried to file a claim, and they discover the pre-ex, they will just deny coverage and return premiums paid--you will still be liable for payment. You can still get... More
Answered By: Peter C - 4/14/2008
 
You can still get insurance even if you have pre existing condition... Pre existing only last for a maximum of a year mostly 6 months... Once the pre existing is over then they will cover for what ever illnesses you are having... Get an insurance but if you are going to use it make sure its not related to your pre... More
Answered By: Michael - 4/15/2008
 
Through an employer. They'll find out. It's never 'erased'. You need to get an employer with a group plan. If you have no coverage now, you'll have to wait out the 18 month preexisting condition period, and THEN it will be covered.
Source(s):
Answered By: mbrcatz17 - 4/15/2008
 
They will find out so don't hide it. You can compare using zip code because each area is different in terms of premium costs and availability. Meditator Health Insurance Comparisons http://healthinsurancetips4u.blogspot.com/
Answered By: meditator2 - 4/16/2008
 
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