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Health Insurance Quotes Pa Question & Answers

2013 July 31
by Sarah Fields

Mandy asks…

How will my preexisting condition diagnosed during insurance affect my future premiums?

Hello. I had a severe brain injury in 8th grade (should have worn a helmet) and several whiplash injuries from 6 car accidents. I was also accidentally electrocuted and took lithium and abruptly stopped it and I fell on my tailbone last year. Needless to say I have neurological health problems LOL.

I have anxiety disorder and panic attacks on my medical record. I go to counseling and herbal doctors and holistic MDs and chiropractors. I want to go to a holistic neurologist but I am scared to have “traumatic brain injury” or “dementia” on my record. I am self employed and I don’t want to pay an astronomical amount for health insurance or have to settle for crappy benefits.

Currently I am covered under Highmark Blue Shield through PA Fair Care (high risk pool for people with preexisting conditions). This insurance expires January 2014. I called Independence Blue Cross just to get a quote for now which is over $400 a month. That’s expensive but if I have to pay it, I will. They said because of the bipolar diagnosis in the last ten years I won’t qualify for underwriting. (But I believe this is a misdiagnosis.)

My question is considering the HIPAA law and the fact that I will stay insured without any gaps and that I am self employed and I self insure, if I have a major diagnosis like “dementia” put my record now how will this affect my premiums next year? The doctors ordered an MRI twice in the past and said everything looks normal LOL (but oftentimes brain damage can not show up on an MRI).

Of course Obama care mandates care of preexisting conditions but how high would my premiums be? Any advice or comments are genuinely appreciated. Thanks!

Sarah Fields answers:

Starting in 2014, the rates will be the same regardless of health issues. So a healthy 30 year old male will pay the same rate as a sick 30 year old female in the same area. The rates will be based on location, age and smoker/non-smoker. With that being said, if you can hold off until the insurance expires, then you will be fine.

Thomas asks…

Is there a risk in applying for multiple health insurance companies?

First timer with health insurance. Does it effect you if you apply for difference insurance companies? for ex: I applied for one and it was entirely too expensive compared to the quote I received, so I closed the application. I am about to apply for another but dont want it to ‘hurt’ me or look bad. I just need major medical. I am a healthy 24 year old non-smoker.

any advice would be FANTASTIC! Thanks!!!!

Sarah Fields answers:

No, no downside to doing that, except it’s a huge waste of time on your part. There’s not much variance in health insurance coverage – “major medical” means a high deductible health insurance policy. Most states, it’s rated based on your address, gender, age, weight, and the coverages you select.

Not having any idea what state you are in, or what deductible you’re looking for, I can tell you that shopping on the internet is going to be a huge waste of time. For one thing, comparison websites actually are in the business of harvesting your personal information to sell as leads, to HUNDREDS of different agents. For another, they’ll use “bait rates” to get you to FILL IN that personal information, and you’ll rarely qualify for that rate, or you’ll want DECENT coverage, and that rate is for a discount plan or limited benefit plan. These website owners get paid for having you click through, not for actually selling you any insurance. Or, they get paid by the insurance company, for steering you to them, whether or not you buy.

Your best bet, is to talk to a local agent, who can give you a realistic idea of what coverage would be, in your state (NY- $600 a month PA, maybe $100 if you’ll take a $5,000 deductible. )

Robert asks…

Which health insurance is cheaper and useful?

I am living in Carlisle, PA. I am currently on unemployment compensation. I need a health plan for me and my wife very affordable.

I have filled quotes over internet and I have to pay over $300 dollars.

I could only pay sort of $100 a month, maximus.

Which is best for me?

Sarah Fields answers:

Contact a local agent that works with all of the major companies in your area. The agent can help your find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don’t get with those cheap plans. There is no charge using an agent.

I’m not licensed in PA but I doubt you’ll find a plan for one person that’s $100, let alone for 2 people. Anything that cost that little will be nothing more than a discount plan or a defined benefit plan, which in many cases can be worse than no insurance at all.

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