Getting Insurance with a Pre-existing Condition
Unless you work for a company that provides group insurance, having a pre-existing condition used to make buying health insurance an unattainable goal. But as health care reform works its way through our large bureaucracy, it is becoming easier. If you have a pre-existing condition and you live in Florida, you are one of the lucky ones. Things have gotten a whole lot easier for you, and I’m happy to help.
Our agency offers several guaranteed issue policies, and we’re also authorized to provide assistance to those individuals looking to get coverage through the state-run program. The state program is not brand new, but I was hesitant to blog about it until I had more hands-on experience with it. Now I’ve been through the process with a few clients, and they’re happy with their coverage, so I’m happy to blog about it.
My first worry was long government hold times, but it’s easy to get someone on the phone. I’ve had worse experiences with private companies. Then I thought maybe the applications would take forever to process, but that’s not the case either. If you submit your application before the 15th of the month, the effective date is the first of the following month. If you submit your application after the 15th, the effective date is the first of the next month.
Please, please call me if you are uninsured – pre-existing condition or not – being uninsured is dangerous, and I can take all of the hassle out of the process for you. I, personally, am the agent in the office who deals with difficult cases, so call and ask for me, Lesley. (888) 919-9876
