RVer selecting health insurance

bigdogger wrote:

dahkota wrote:

camperkilgore wrote:


This makes me wonder that under Obamacare if a person has no insurance and suddenly has to go into the hospital........can that person get a relative to purchase a policy that day and have it cover the expenses incurred by the hospital stay?

The correct answer to this is No.

More Information

Actually, that has a loophole written into it, because it only applies to policies purchased through the insurance exchanges. You could still go directly to the insurer at any time and enroll. That enrollment will not be eligible for government subsidies, but you can buy insurance anytime. Not sure what the exclusion and waiting period would be, but if you developed a long-term health problem, that insurance would cover it after the waiting period. And, of course, the hospital and doctors will still be required both morally and legally to treat uninsured patients. The intentionally uninsured won't be dying on the hospital lawn.

So that was an interesting comment about private insurance and waiting periods and I went looking.

I came across something interesting and dont quite know what to make of it. It certainly doesnt match the claims of obamacare. Anyone have a guess?

What happens if I have pre-existing conditions?

Pre-existing conditions are usually handled in a variety of ways. Largely it depends on what the condition happens to be. In general, depending on that condition, an insurance company may rider it for a specific length of time, rate it up higher (means higher premiums), exclude the condition or decline to insure you.

The definition of a pre-existing condition is something you have visited the doctor for and/or have been treated for within the last 12 months prior to the proposed start date of your insurance. An agent can't do anything to change this, and it's important to inform the agent of all your pre-existing conditions.

it came from here, clicky