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 got some quotes and applied for coverage with a local insurance agent. That agent had a website that I had to go on to fill out the online application. It was easy enough.
After I submitted the application we were informed by the agent that we had been declined. When I was filling out the application I listed a few minor medical issues that I had dealt with throughout my life. I guess the insurance company considered those “pre-existing” conditions and declined our application.
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%.
It’s very convenient to apply for health insurance online but I think it’s also very important to have a live agent that can guide you through the process and answer questions along the way. This site gave us the best of both worlds.
Want to find out more about Health Insurance, then visit Eric Sachs’ site on how to choose the best Health Insurance policy for your needs.
Tags: affordable health insurance, anthem blue cross, blue cross, california health insurance, cobra, health care, health insurance, insurance, Medical insurance