Question:
Is there any independent insurance without pre-existing conditions?

I have a written exclusion in my insurance at work, and my company will not fork out the money for the rider for this procedure because of the cost. Is there any insurance company out there that will offer independent insurance without a pre-existing conditions clause? Every company I have researched so far has a pre-existing conditions clause that basically says I have to wait a year to have the surgery. I want to get it done as soon as possible, any suggestions?    — Carol K. (posted on July 2, 2001)

July 2, 2001
If you have had continuous insurance coverage, it is against the law (Kennedy/Kassenbom Act)for an insurance carrier to deny pre-existing conditions. Only if there was a break of more than 90 days between coverage can you be denied pre-existing conditions. Also, if there was a break, the only way it can be pre-existing is if you have received treatment for it within the last year. You would need to be treatment-free for one year.
   — Melissa A.