Internetworkers: http://www.ibiblio.org/internetworkers/

[bethellison at netscape.net (Beth)]

Hola,

Like many people, I have unbelievably crappy health insurance. Monumentally 
crappy. I plan to get something decent soon, but in the immediate future, I 
have to have back surgery (again), so switching to a better plan won't do me 
any good right now, thanks to the ever-present pre-existing condition 
clause--I can't wait 12 months to have this surgery--I need it as soon as 
possible.

So I'll get a tiny bit of reimbursement from my current ins. company. And I 
fell across this site yesterday. It's a "healthcare savings program" that you 
can get even if you have insurance and they cover all pre-existing 
conditions. Anybody out there know anything about these "healthcare savings 
programs"? Good, bad, ugly?

http://www.careentree.com

For the record, I think "Care Entree" is a really dumb name for a company. 

Beth

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>From kelly at metalab.unc.edu  Tue Feb 25 09:51:55 2003
From: kelly at metalab.unc.edu (K. Jo Garner)
Date: Tue Feb 25 09:50:37 2003
Subject: [internetworkers] 
In-Reply-To: <6D5BD351.79DD9C9E.481B1415 AT netscape.net>
Message-ID: <Pine.LNX.4.44.0302250951260.16139-100000 AT tribal.metalab.unc.edu>

On Tue, 25 Feb 2003, Beth wrote:
->Like many people, I have unbelievably crappy health insurance. Monumentally 
crappy. I plan to get something decent soon, but in the immediate future, I 
have to have back surgery (again), so switching to a better plan won't do me 
any good right now, thanks to the ever-present pre-existing condition 
clause--I can't wait 12 months to have this surgery--I need it as soon as 
possible.
->

but if you haven't had it treated for six months or more it doesn't 
qualify as "pre-existing'

Question: What is a pre-existing condition and can it be excluded from my 
health coverage?  
  
Answer: A pre-existing condition is any condition for which a person 
received treatment or was diagnosed within the preceding six months or for 
which any prudent person would have sought diagnosis and/or treatment.  
  
Effective July 1, 1997, an insured receives pre-existing condition credit 
(portability) for the time covered under one or more qualified policies, 
provided there has not been a break in coverage for more than 63 
consecutive days. 

http://www.ncdoi.com/Consumer/FAQ/FAQHealth.asp