Would You Be Insurable If…

Filed in National by on October 5, 2009

…You lost your job?

Most people who recieve health insurance through their employer have never considered this possibility.  Perhaps it’s time they did.

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A stay-at-home mom with an obsession for National politics.

Comments (7)

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  1. Unstable Isotope says:
    October 5, 2009 at 9:31 am

    I think I would still be insurable but if I got sick I feel confident they’ll find a case of acne to deny me coverage.

  2. cassandra_m says:
    October 5, 2009 at 9:49 am

    When you apply for insurance on your own, do they ask for family history? Serious question, I have no idea. While I’m pretty healthy, I do have family history that might point to some risk for certain conditions. They may insure me for ALOT of money and dump me the minute I actually get sick, but really I have no idea.

  3. Unstable Isotope says:
    October 5, 2009 at 10:08 am

    It’s a really good point, though pandora. I think we should dump Congressional healthcare and make them shop around on the open market. We’ll see how soon it gets fixed then.

  4. pandora says:
    October 5, 2009 at 10:14 am

    People with (good) employer coverage just might find that trip to a specialist coming back to haunt them.

    Cassandra, years ago, when we had individual insurance (with rates that increased approx. 30% every year) they did have a section on family history – bet it’s more detailed now.

  5. Unstable Isotope says:
    October 5, 2009 at 10:24 am

    Somewhere there’s a You Tube video from the insurance exec hearings. Someone was asking them about their form. In it, it had several medical terms that you were supposed to say whether you had ever had these conditions. I forgot what they were, but the execs didn’t know either. I believe they were all highly technical terms for common medical conditions. So, long story short, the individual insurance forms are made so that you will “lie” accidentally on them and they can use this as a reason to deny you coverage.

  6. cassandra_m says:
    October 5, 2009 at 10:39 am

    I wonder if COBRA works the same way. If you decide to buy the COBRA insurance from your old employer — you certainly pay alot for this, I wonder if they could drop you for whatever reason they make up?

  7. Another Mike says:
    October 5, 2009 at 10:58 am

    I don’t think you can be denied COBRA because you are essentially extending your benefits without interruption. The only change is that you are paying full price for them.

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