Health Insurance Story - My Personal Quest For Health Insurance Against All Odds PDF Print E-mail
Written by Eric Sachs   
Wednesday, 25 August 2010 16:36
Once upon a time, I found myself in a quest for health insurance. You see, the policy we had was provided through my employer. When I lost my job, the only way to maintain coverage was to pay COBRA payments. They were SO VERY expensive and I wasn't able to do it. I lost my health insurance coverage as a result.
by EricSachs


Once upon a time, I found myself in a quest for health insurance. You see, the policy we had was provided through my employer. When I lost my job, the only way to maintain coverage was to pay COBRA payments. They were SO VERY expensive and I wasn't able to do it. I lost my health insurance coverage as a result.

I applied for individual insurance through a local agent. I went through the application process and submitted everything back to the agent online.

The agent eventually told me that we were declined coverage because of a "pre-existing condition." I had some minor back issues throughout my life and the insurance company declined us as a result.

I was at a loss. I needed insurance but couldn't afford COBRA. I found a website called Health Insurance Anthem Blue Cross. I filled out the application there and was contacted by the agent for Blue Cross. He told me that I could apply as a group and I wouldn't need to worry about the "pre-existing" conditions - that I couldn't be declined. My wife and I had an LLC that we filled a few years prior so we used that LLC to call ourselves a "group" and submitted the application accordingly.

We had to show proof that the LLC was active and that we were, in fact, using it to run a business. A week later we had health insurance! It was a really great plan actually. It paid out at 100% after a nominal deductible was met. That year we had a lot of medical bills (including the birth of my 4th child) so we met the deductible very quickly and everything else was paid for by the insurance company at 100%.

I like that I was able to complete the application process online as opposed to turning in a hand-written application. It was also very important to me to have access to a knowledgeable insurance agent who could answer our questions and guide us though this process.

DISCLAIMER: This article is provided as information only and is not to be taken as financial advice.

Looking to find the best deal on California Health Insurance, then visit www.HealthInsuranceAnthemBlueCross.com to find the best advice on Health Insurance for you.