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Raleigh, Durham, Chapel Hill, Cary The Triangle Area
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Old 01-08-2008, 05:19 AM
 
36 posts, read 74,863 times
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We're looking to move to the Triangle Area and we've picked out a few nice house of choice and we're talking to a realtor, now I'm also talking to a health insurance agent. We were informed that getting coverage for pre-existing conditions is very difficult or pricey. Does anyone have any suggestions or is there anyone in NC with MS and can give me your views on this?
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Old 01-08-2008, 06:31 AM
 
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I think you would need to get a job with a company that provides medical to its employees, or try calling Blue Cross Blue sheild of NC and ask if they would cover you.
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Old 01-08-2008, 06:53 AM
 
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My problem is that I can't do a full-time job because of my health. Do you know if I'd be able to be covered if my husband carried the insurance?
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Old 01-08-2008, 08:24 AM
 
Location: Virginia (again)
2,697 posts, read 7,793,641 times
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We own our own business and provide our employees BCBS NC insurance. As long as you have no break in coverage, you cannot be denied coverage because of a preexisting condition. If you went and tried to get it yourself I imagine it would be extremely expensive so it would be ideal for your husband to get group coverage and then you would be covered.
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Old 01-08-2008, 08:29 AM
 
36 posts, read 74,863 times
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Right now we own our own company and the plan is to continue it when we first get there to get a feel of what's out there for jobs and all. We've been self-employed for 11 years and my husband will need to find a different job. We're hoping the job market is good there.
I've heard about BCBS, but I also heard that they charge extra for pre-existing conditions. Is that true from your knowledge?
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Old 01-08-2008, 08:33 AM
 
Location: Virginia (again)
2,697 posts, read 7,793,641 times
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Quote:
Originally Posted by Jim&Cyn View Post
Right now we own our own company and the plan is to continue it when we first get there to get a feel of what's out there for jobs and all. We've been self-employed for 11 years and my husband will need to find a different job. We're hoping the job market is good there.
I've heard about BCBS, but I also heard that they charge extra for pre-existing conditions. Is that true from your knowledge?
I don't know about individual coverage, but when we started the company in August there were only three individuals including ourselves who took the coverage. Two of them had what seemed to be minor medical problems especially since they were young. We got the highest possible rates. I'm not sure how it works for individuals though. I assume you can't transfer your current policy out of state?
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Old 01-08-2008, 08:44 AM
 
36 posts, read 74,863 times
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Actually we have State insurance right now because of my condition and the high medical costs I have monthly. I'm not disabled by any means, but medications are extremely expensive and specialist are as well. They say my MRI's show progression and I do suffer with left leg numbness and sensation problems currently, but I'm still exercising @ 1 hr a day, so you see I'm far from being "bad off". But it has been a blessing that we were able to qualify for State insurance coverage. We're not looking to come to NC and have the same coverage, but we do have to be covered by something. We can't take a high deductible, because as I explained, my meds are costly.
To answer your qeustion, no there's no chance of transferring insurance. Bummer!
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Old 01-08-2008, 08:46 AM
 
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You and hubby may need to have separate policies. Will it be expensive? Probably. I would call BCBS and find out.
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Old 01-08-2008, 08:49 AM
 
36 posts, read 74,863 times
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Do you know if I can get a quote from a different state for another even when I don't know the exact location we will be in in NC? I don't mind trying that route.
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Old 01-08-2008, 09:03 AM
 
Location: Virginia (again)
2,697 posts, read 7,793,641 times
Reputation: 1550
Personally I would try a health insurance broker. You don't pay anything extra and they will be able to tell you what options you have (besides BCBS). I don't see why you would need an address to get a quote.
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