I had a really hard time getting health insurance for me and my family. I had insurance through my employer but when I lost my job and couldn’t afford the COBRA payments, I lost my health insurance. Not having health insurance is very scary when you have a wife and four children to take care of.
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.
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 went through the process of applying online and had to show proof that the LLC was active and that my wife and I were members of the company. After about a week, Blue Cross issued our policy! My wife and I (and all of our kids) finally had coverage and we were very happy with the way things turned out. We opted for a PPO and it was the type of coverage that paid our medical bills at 100% as soon as the annual deductable was met. Because my fourth child was born and my wife had to have a C-Section, our deductable was met almost immediately and all of our medical bills for the rest of that year were covered at 100% by Blue Cross! That policy saves us something like $40,000 that year because as it turned out, I needed to have another back surgery after all!
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.
Learn more about California Health Insurance. Stop by Eric Sachs’ site where you can find out all about Blue Cross Health Insurance and what it can do for you.
Tags: anthem blue cross, Blue Cross, california health insurance, Cobra, health care, health insurance, insurance, insurance and our government, medical insurance