I need to get health insurance at a decent monthly cost and good coverage. I cannot find an isurance provider that will cover me with a pre-existing condition (tubes in ears, ENT) at a resonable cost and decent co-pays on visits and scripts. Any recommendations??
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You can forget about finding coverage your pre-existing conditions (at least for the first year, possibly two.) I'm unaware of ANY company that covers pre-existing conditions unless you meet the Federal portability standards under HIPAA (you can look those up on the Dept. of Labor web site link below.) So, that's simply not going to happen. You'll be lucky if you find a company that will write you without putting a condition-specific exclusion (meaning they would cover you for anything new that comes up, but nothing related to your pre-existing conditions -- ever.) It would be easier to make recommendations if you'd list your location, since there are different insurance companies available in different places and even the same company may offer wildly different plans (with vastly different prices) depending on the geography involved. Good luck!
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