What insurance company will except you with a health condition that you already have?

My son has had to move home to California because of being ill and he has no health insurance. He was treated in Oregon but was to ill to stay there. Now we are trying to get him into a doctor here. He has no insurance now. What do we do and where do we go?

Asked on June 1, 2009 under Insurance Law, California

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

Under California law,

- If you are joining a group health plan, you have the right to not be denied coverage on the basis of your health status, medical condition or history, genetic information, disability or insurability.

- You have the right to receive coverage for preexisting conditions in most cases within 12 months (or, in some instances, 6 months) of enrolling in a health care plan.

- If you are enrolling in an individual plan, you have the right not to be denied coverage if you have had 18 months of continuous coverage previously and meet certain other requirements.

- You have the right to be credited for time enrolled in a previous plan against any preexisting condition waiting period.

Here's a link that will explain further:  http://www.calpatientguide.org/v.html


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