Pre existing condition

[Andy S]

Does anyone know if Erbs palsy is considerded a pre existing condition? Has any adults with Erbs had problems being covered by insurance? Or has any parents had problems getting your child covered when you have changed policys?

I doubt I will lose my job (insurance)any time soon... but you never know.

[richinma2005]

Never had an issue when insurance changed when I changed jobs- changed jobs twice now in 12 years, no issues

rich

[hope16_05]

I am haveing a heck of a time getting insurance! Erb's is considered a pre existing injury. I am getting married in September and will lose my parents insurance and unless I get a job that offers me insurance before that date, I am screwed. I have tried several times to get my own insurance and have been denied each time.

As long as there is no lapse there should be no ability to call it a pre existing injury through a parents coverage.

Hope this helps,
Amy 23 years old ROBPI from MN

[KimW]

I think what Amy stated is key, at least in Ohio where I reside -- once you are covered for the injury on an insurance policy you have a window in which you can move your coverage and the new insurance company must cover that injury/condition. In Ohio I believe it is six months to a year, but I'm not totally sure on that. However, after that time it is considered pre-existing and you may or may not be covered or you may be covered at an increased cost. That being said, you can get insurance coverage for pretty much anything as long as you are willing to pay for it!

[F-Litz]

I know someone who could not get coverage for the charges for the bpi when he changed insurance due to a job change. Son was around 9 years old when it happened. There were besides themselves.
I guess the company and type of policy makes a difference?

[Heddip]

In WA the rule that they have to accept you is true if you've been covered by a "group plan" for over a year. I was covered by an "individual plan" before taking a job for 6 months where I was on a group plan. When I left that job, my old insurance turned me down.

The only way I could get insurance was to join my husband's plan, which wasn't very good coverage--but better than none.

[Kath]

I never had a problem getting coverage and I am 70. I covered for many years by a NY company then for years in NJ.
New Jersey had a law that you could not be denied for pre-existing conditions. I'm not sure but I think NY had they same law.

[veggiebug]

I know when I went for PT, my neurologist stated it was for something unrelated because it wouldn't cover pre-existing.

-Traci

[Andy S]

So, in short, never lose insurance and never let COBRA lapse if I quit or lose my job. Fair enough.

[rbwalton]

So, in short, never lose insurance and never let COBRA lapse if I quit or lose my job. Fair enough.

I am one step beyond your scenario. COBRA does not last even if you pay it up. Now, I have been turned down twice for exceeding the guidelines for pre-existing conditions (only one is BPI related- so if that is all you have, you may be OK. They (Insurance Companies) seem to have a limit for what they will consider though). My advice. . . Just lie.