[mlmpetert]

Originally Posted by Dirtbag359

The stuff health insurance companies get away with is amazing. I'm not eligible for a group plan so I tried to upgrade my crappy insurance so I didn't have to pay $600 to have a specialist investigate a possible ear infection (seriously that was the price I was quoted at). Everything was all set up they were confirming my information and asking me questions. One of the questions was have you ever been turned down for health insurance. I told them yes so they went on to the next question asking about obesity, heart attacks, AID's all of which I answered no.

Originally Posted by Dirtbag359

After the medical history question the lady told me I was ineligible for the plan. When I asked why she said because I had been turned down or coverage in the past, even though it was a different company. Why even go on to the next question if the one before it made me ineligible?

Last week while being fed up with my insurance I was referred to a high risk pool for Georgia. They told me I was ineligible because I had insurance and even if I didn't have insurance I would have had to be uninsured for 6 months (it's been about 3 months for me without good insurance). The part about having insurance is great because they don't even cover my pre-existing condition which I thought would have been the point of a high risk pool.

At the very least the pre-existing condition crap has to go, of course after that you have to make sure they don't go overboard with the premiums. Still one step at a time.

You say it’s been 3 months since you’ve had “good” insurance? Are you completely uninsured or do you just have a catastrophic plan or something right now?

I guess I don’t understand whats so wrong about not insuring a preexisting condition, or only insuring it at extremely high rates. Whats the other option, that preexisting condition is ignored and you get the same rate as me; however, at a much greater risk to the insurance co. That’s really unfair to me, because your rate doesn’t just come down – mine goes up. I guess