Currently on COBRA?

Are you currently paying COBRA premiums?
Were you laid off, and are currently receiving subsidy?
Did you leave your past employment voluntary and have elected COBRA?

If you answered yes, than you should definitely call or stop by the shoppe and learn  about your options.

There are cheaper options available for coverage than your current COBRA costs, even when you are receiving 65% subsidy.

Well what about your pre-existing condition?  What about it?

Depending on your medical history, it is possible that you can be declined coverage and would then  have to seek guaranteed coverage through ICHIP, the risk pool.


What is a pre-existing condition?
-A pre-existing condition is any condition that was diagnosed, consulted, or have been receiving treatment during the 12 months prior to application.  


How do health insurance carriers treat pre-existing conditions?
If you currently have not had a break in coverage in health insurance greater than 63 days:

BCBSIL:

• Will not cover for the first 12 months of the plan
• Depending on medical condition, can place a permanent exclusion rider on condition
• If prior coverage was with Blue Cross (no state preference) than you must provide a Certificate of Credible Coverage (CCC) to he waiting period removed.  BCBSIL can still decline coverage as well as place a exclusion rider

Aetna:

• Waives the waiting period and coverage can begin on day one for a pre-existing condition
• Aetna does not place exclusion riders on medical conditions, but can decline coverage as well as increase a members premium as much as 100%

Humana

• Will waive the waiting period as condition is disclosed on application
• Can place an exclusion rider on a medical condition or will increase premium up to 100%

Assurant Health

• Will not cover for the first 12 months of the plan
• Depending on medical condition, can place a permanent exclusion rider on condition as well as increase premium
• Can place a separate condition specific deductible for medical condition

Celtic

• Will not cover for the first 12 months of the plan
• Depending on medical condition, can place a permanent exclusion rider on condition 

United Health Care

• Will not cover for the first 12 months of the plan
• Depending on medical condition, can place a permanent exclusion rider on condition as well as increase premium

Please stop by or call the shoppe with any questions.

Thanks,

-The Shoppe