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Old 01-14-2010, 04:41 PM
 
1,393 posts, read 2,625,935 times
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Wonder if anyone can recommend a health insurance company that is reasonable for individual/family coverage. I'm not interested in any HMOs.

I signed up with Anthem PPO and besides big hassles with the application process, they incorrectly denied our first claim which they are currently reprocessing. I don't think I want to continue to deal with them.

Thanks.
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Old 01-15-2010, 01:16 PM
 
Location: Sunnyvale, CA
4,888 posts, read 8,911,704 times
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I believe Rocky Mountain Health Plans has non-HMO policies.
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Old 01-15-2010, 04:27 PM
 
Location: Colorado Springs
4,334 posts, read 4,366,361 times
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If you are young and healthy you can get coverage easily. Go to insure.com to get a quote. If however you are older, e.g. 55+, you will find it very difficult to find coverage. They will reject your application for any reason, e.g. taking anti-histimines for hay fever, being too fat, having any pre-existing condition. Insuring an old person is like insuring a 15 year old Chrysler transmission, a bad bet. They are in it solely to make money. I really can't blame them.

We were both rejected and ended up in Cover Colorado, the high risk plan for Colorado residents. You can read above it at covercolorado.com
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Old 01-16-2010, 06:26 PM
 
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Problem with RMHP is one of my kids goes to school out of state, so need something with a national network.

Yes, Vision67, the health insurance co's (actually all ins co's) really stick it to us every opportunity they can.
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Old 01-16-2010, 06:38 PM
 
Location: Everywhere and Nowhere
14,131 posts, read 26,274,712 times
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Quote:
Originally Posted by BarryK123 View Post
Problem with RMHP is one of my kids goes to school out of state, so need something with a national network..
You might consider getting something local for you and the other members of your family there and then buying insurance for your out of state student though the school. Most universities have health plans for students that are pretty reasonable that could work while he/she is at school or back home.
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Old 01-16-2010, 06:46 PM
 
5,091 posts, read 13,176,113 times
Reputation: 6912
Quote:
Originally Posted by Vision67 View Post
If you are young and healthy you can get coverage easily. Go to insure.com to get a quote. If however you are older, e.g. 55+, you will find it very difficult to find coverage. They will reject your application for any reason, e.g. taking anti-histimines for hay fever, being too fat, having any pre-existing condition. Insuring an old person is like insuring a 15 year old Chrysler transmission, a bad bet. They are in it solely to make money. I really can't blame them.

We were both rejected and ended up in Cover Colorado, the high risk plan for Colorado residents. You can read above it at covercolorado.com
Denial of Coverage for pre-existing conditions is not necessarily true in all situations. You must make yourself aware of the Health Insurance Portability and Accountability Act of 1996 to defend your rights
Fact Sheet: The Health Insurance Portability and Accountability Act (HIPAA) (http://www.dol.gov/ebsa/newsroom/fshipaa.html - broken link)
You should always demand a Certificate of Creditable Coverage when leaving a plan to allow you to have continuation of medical coverage.

I was the first person in Colorado to be covered under this act when the Cobra Coverage ended and was disabled. I was refused coverage by Insurance Companies. The first day the act went in place, I called one company that refused me coverage and they enrolled me in a plan. I was able to do this quickly because I was aware of the act going through congress. Eventually I received Social Security Disability and became eligible for Medicare.

It must be pointed out that many states, including Colorado, have added to the Act, and provided better protection within their states. Every state can increase the act's coverage but cannot diminish benefits. So investigate very thoroughly this act and the state implementations in your respective states.

Livecontent

Last edited by livecontent; 01-16-2010 at 06:55 PM..
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