My wife have a preexisting condition and she is on COBRA from blue cross blue shield of SC.?
Will she be able to still receive some sort of coverage from blue cross blue shield after her COBRA length is over?
Answers:
Not unless she has a undertaking that offers insurance or you put her on your insurance. As long as she remain on COBRA until she switches she'll be fine. If she ends COBRA, wait awhile, then tries to find another insurance plan they will make her loaf 6 months due to her pre-existing conditions. (I used to work in HR, that's how I know this.)
She may know how to extend cobra. She may get coverage excluding the pre existing. Get employment near group coverage if she can work.
you do know you are paying more than double using COBRA right?
Under Federal directive (the Health Insurance Portability and Accountability Act, also known as HIPAA) your mom cannot be denied an individual policy, nor can she enjoy any waiting periods imposed on her pre-existing conditions if she have had continuous creditable coverage (as COBRA would be) next to less than a 63-day perforation in coverage. (See the Dept. of Labor net site: http://www.dol.gov/dol/topic/health-plan... )
However, depending on her pre-existing condition, she may very capably be better off to apply for a fully underwritten product, to some extent than the guaranteed issue. She can't be turned down either route, but if her pre-existing conditions aren't considered to be "serious" -- a relative term within the health insurance industry, logically -- she may very ably pay smaller number if she goes through the underwrite process. The only process to know for sure is to apply -- and since it typically takes 30-90 days to acquire a final rate for anyone with pre-existing conditions (because there's normally a lot of waiting for medical professionals to respond to requests for info), she will probably want to apply powerfully before the closing day she'll hold COBRA coverage (though she can ask for an effective date to coincide next to the end of COBRA.) I recommend applying at lowest 90 days ahead of her COBRA end date to engender sure that she doesn't run out of time to make her ruling.
The rates for the guaranteed issue products are likely to be 3-4 TIMES what she's be paying on COBRA, so she will come out well ahead if she go through underwriting and get approved.
I'm licensed in 10 states, including SC and I'd be jovial to talk next to her about her conditions and whether or not it's worthwhile to consider going through underwrite (for instance, there would be no principle to bother for anyone with diabetes, or cancer, while someone near high blood pressure and/or big cholesterol would still likely qualify for an underwritten product.) Feel free to email me and I can supply you my toll-free number, if she'd like some warning.
On a personal note, one of the reason I specialize in strength insurance is because I got a impressively rude and brutal education surrounded by the subject when I lost my business after 9/11. And as a diabetic, I had few option. These days I try to make sure that inhabitants understand their option and, most critically, their deadlines.
Yes, she'll be able to attain "portability" coverage through BC or any other insurance company. However, she can expect to pay up to three or four times the "normal" rate if her Pre-existing conditions are highest.
If her condition is minor you'll still be able to bring back regular coverage but the insurance company may have a waiting time or may issue the policy with a rider, which resources they won't cover that condition for 1 year to permanent. However, even beyond repair riders can oftentimes be removed. You'll want to see an independent agent that can give you adjectives your options. You may even want to do this past COBRA expires because it may be possible to get her on a policy for much smaller amount than she is paying now.
As long as she have a certificate of previous coverage from BCBS and go to a new plan hastily after BCBS ends (as in BCBS ends on 5/31 and a trial plan starts 6/1 - that kind of thing) MOST - not ALL - will waive the pre-existing clause.