"Policy Ensurance" 
Posted by Aggie on June 25, 2002 at 13:11:38:
I hope someone here can offer me some good advice. My husband works for
the local school district, and we have our health insurance through him.
It is awful insurance, with huge deductibles and high premiums, and we were
just notified that the premiums will go up by 30% next year. There will be
no significant change in coverage. My employer offers excellent health benefits,
and we would love to be able to change over to their policy. Here is the
problem. My employer's insurance has open enrollment in December only.
My husband's employer's insurance must be renewed in September. We cannot
enroll in his plan for only a couple of months, and we cannot enroll in my
plan early. I have a pre-existing condition, and if we just take our chances
and go without insurance from September to December, I will not be covered
for that condition (because I would have been uninsured for more than 63
days). I have been told that we are not eligible for COBRA, and that if
we purchase short term insurance to cover us in the interim, it will still
not cover a pre-existing condition and I may still be uninsurable. Surely
there is a solution to this! Can anyone offer any help? Thanks so much.
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