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Working for a small company I was not able to obtain health insurance because they did not offer it. My kids and I were covered separately, prior to that my kids were the only ones covered. With co-payments for doctor visits and discounts on prescriptions it was working out perfect. It was barely affordable but we were covered. I needed the benefits of co payment because it seemed we were always at the doctors for some reason or another.
A friend of mine had insurance with the same company. After taking about her plan I really needed to switch to a the family plan. It had more benefits and the premium was a lot less than what I currently paying. I decided to call the company to change my plan. When talking to the agent I mentioned that I had recently paid my premium. He informed me that I could not transfer the funds and they had to cancel my policy first and start all over with a new one. I would receive a check between five to 7 weeks. So now I was out that money and needed another payment immediately to stay insured.
As some time passes It comes time for a routine test I needed done for a condition I have had in the past. That very same day I go to make an appointment I get a letter from the insurance company. It states that although the test and visit would be covered the condition I have was a precondition and any result that was positive from the test would not be covered.
Now I am terrified to set an appointment. Its bad enough that I may be diagnosed with a serious illness but also the severity of not being able to pay for it. I may have been to comfortable and not have asked the right questions. Do you think they should have said something or should I have read between the lines and small print.
If you are searching for good insurance then you need to get some health insurance quotes before deciding. Purchasing medical insurance is like anything else, you need to shop around.
