Question:
I need help on Insurance?

One month untill surgery. Health insurance pull out. Where can I get health insurance that will not recomend I wait one year.    — jfifer (posted on November 17, 2009)

November 17, 2009
I was told that BCBS now has a 3 month (starting July 2009) period instead of 6 months. You could look into that. Not sure how it would work for private health Insurance.
   — kwatkins

November 17, 2009
What do you mean exactly, "health insurance pulled out"? Did your company change providers, did you lose your health insurance? Chances are if you don't have the same provider for whatever reason you will have to begin the process from square one.
   — rkurquhart

November 17, 2009
Yes, BCBS switched to a 3 month period, if you lost insurance altogether, are you eligible for medicaid? Look into these and it should go pretty quick!
   — eyeflirt4fun

November 17, 2009
I would think you would be able to pick up right where you left off, "because" you didn't have a gap or longer than 6 months prior to getting new insurance. If there was a lapse, then you need to start all over. From my understanding when I had blue sheild, that was the protocol. If you don't have insurance now, and would be self paid, not through an employeer, then you need to find some fast before you do have that lapse. Hope this helps. Otherwise, the new insurance can say well, these are "pre existing conditions, which just means you have been 6 months or more without medical treatment, so No, they won't cover you. It gets pretty tricky. Pre existing doesn't mean what it sounds like. They just mean without medical treatment. Not that you have these or this condition now.
   — Kristy

November 17, 2009
I don't know what you mean by "health insurance pull out" but if they had approved you for surgery before "pulling out" then I think they may still be contractually obligated to cover the surgery.
   — Muggs