Question:
Pacificare HMO of COLORADO

I will be changing insurance at the end of august to pacificare HMO of colorado. It wont go into effect until OCT 1st. So i will be without insurance from the 25th of august until Oct 1st. My question is specifically directed to those who have pacificare hmo OF COLORADO since all of them are different. Does pacificare HMO of COLORADO have any pre-exsisting condition clauses. I have heard that they don't but i need to know for sure since i will be without insurance for more than 30 days. I am so close to getting this surgery, i don't want to have to wait another year! God Bless.    — Dinell H. (posted on August 15, 2003)

August 15, 2003
You need to get a copy of the policy & read it. The best way to ensure not having to worry about it is to cobra your benefits. I know that it costs quite a bit of money - but well worth it. If you have no lapse in coverage then there will be NO WAY that they can use any type of pre-existing clause. Best of Luck!! ~Amanda
   — amandalianne

August 15, 2003
You are allowed to be without insurance for 63 days - preexisting will only be a problem for number of days you were without coverage. So if you wait until 38 days have passed on your new policy, all pre-existing is irrelevant.
   — bethybb