What is the name of your state (only U.S. law)?
Colorado
Hello,
I have been without health insurance (or life) for approximately 3 years. My coverage expired soon after my marriage ended (my spouse had ins via employer). I immediately shopped for individual coverage and was told by several Health Insurance Agents/ Brokers that I shouldn't even "apply" for coverage due to several claims, over a 6 month period, I made for help with a substance abuse problem. My only option was state coverage and the cost was outrageous and didn't cover a prescription I needed at a cost of $500/ mo.
I have done nothing now for 3+ years. The question I have is this:
Will my substance claim(s), or pre-existing condition, from over 3 years ago prevent me from getting health insurance now?
Is it something I need to disclose when applying for insurance?
Am I going to have to "pay for it" for the rest of my life?
FYI - I am healthy, in mid-thirties and have gone without medical treatment for years.
Thanks in advance for any assistance!
Colorado
Hello,
I have been without health insurance (or life) for approximately 3 years. My coverage expired soon after my marriage ended (my spouse had ins via employer). I immediately shopped for individual coverage and was told by several Health Insurance Agents/ Brokers that I shouldn't even "apply" for coverage due to several claims, over a 6 month period, I made for help with a substance abuse problem. My only option was state coverage and the cost was outrageous and didn't cover a prescription I needed at a cost of $500/ mo.
I have done nothing now for 3+ years. The question I have is this:
Will my substance claim(s), or pre-existing condition, from over 3 years ago prevent me from getting health insurance now?
Is it something I need to disclose when applying for insurance?
Am I going to have to "pay for it" for the rest of my life?
FYI - I am healthy, in mid-thirties and have gone without medical treatment for years.
Thanks in advance for any assistance!