From Fort Mill, South Carolina, USA:
I am 28 years old, and I have type 1 diabetes treated with a pump. I have been very responsible about going to the doctor, and I am staying on top of my diabetes. Now, I want to go to work for a company that does not provide medical insurance for a pump. Are there any health insurance companies out there that will provide individual coverage?
The answer to your question is "Maybe". Some states require health insurance plans to allow employees to convert from group coverage to individual with a guaranteed issuance of coverage without any type of waiting period. Contact your current insurer to learn if this is available to you. If you currently have health insurance through a group plan (e.g., your employer's health plan) and have had this coverage for 18 months (12 months in some states), you are eligible for guaranteed issued health coverage without evaluation of your health status or waiting periods for preexisting conditions so long as there is no more than a 62 day interruption in your insurance coverage. However, this coverage is not cheap.
Title I of the Health Insurance Portability and Accountability Act of 1996 (HIPAA) protects health insurance coverage for workers and their families when they change or lose their jobs. Also, you are probably eligible to continue your current health insurance after you leave your present employer through COBRA. You will be responsible for paying the entire cost of the coverage that your employer pays as well as a 2% administrative fee with the premiums paid directly to your employer.
Original posting 10 Feb 2003
Posted to Insurance/Costs
Last Updated: Tuesday April 06, 2010 15:09:42
This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
© Children with Diabetes, Inc. 1995-2017. Comments and Feedback.