Indiana health insurance agents need help?
My husband is self employed and uninsurable in our state due to a preexisting condition. We are on short term insurance for the last 2 years since i am unemployed and unable to get full time employment. i am a independent contractor.
i am age 55 and looking for a good medical insurance for myself since i am currently healthy but i don't want to have to answer for 5/10 years medical history which some companies require. i tried that once 2 years ago and gave up. who can remember every doctor visit or diagnosis they had? to make it worst, if one company denies me for whatever reason, i will be like my husband and uninsurable and at age 55 that would cause us to go bankrupt if any condition should arise in the next 10 years when and/if i am still around to qualify for medicare.
i am afraid of taking quotes online since if one asks the wrong question, they may deny.
the only medical problems i have;
1; i smoke; i know i have to quit and i will, so please don't scream at me since i know i am an idiot.
2; i had a hernia operation this past summer.
3; high cholesterol, but the doctor has not prescribed meds and suggested low fat diet to control.
4; taking evista for menopause; only med i am taking.
5; went to pcp for RX of activan for stress (2 years ago) since i knew i was going to be fired that day which i was.
6; went to urgent care 2 months later for heart palpitations, was given an EKG that was ok, and found out i had an anxiety attack.
I admitted to the doctor that i had drank a bottle of wine the previous evening due to fighting with my daughter and husband, and still being mad about being fired 2 months earlier, so he wrote on the form to quit drinking and smoking, which was a 1 time event, but still on my record.
the urgent care has cause me the most distress. so many questionaires ask if you have a drinking problem, which i dont, but since the doctor put on the form to stop drinking/smoking and fu with family dr if problems, it could be considered a problem.
i saw on 1 application the question on anxiety attacks and ekg and then they ask you to explain.
i know that smoking makes me a higher risk and higher premiums which is ok. in the state of indiana, if no company can insure us, we are then eligible for the indiana high risk pool. my understanding is that there is a $100K lifetime maximum, which would be exhausted if a heart attach, stroke, cancer or other emergency so dont want to consider this. i want a good policy that under my good health would protect me if an emergency should occur and not cause us to sell our house and file bankruptcy. also, my understanding the indiana high risk has gone bankrupt so we maybe still sol.
my husband is 14 months from age 65, so hoping to continue on short term till medicare. unfortunately, i had not have a mamogram, or other tests in fear that they find something and then cannot get any insurance at all.
any suggestions?
i need a minimum of 2 million or more to cover any major medical expenses or catastrophies.
anything that could cause me to be denied from your experience based on the info i have given?
i may have addtl questions based on your answers, so please check back.
thank you kim for your help. went to site and had numerous phone calls and emails; lol my concern at first was that too much info given could hurt. i was able to answer min questions and talk to agent to before proceeding forward. found great agent who even helped with application on line with me; hopefully my app is approved and i can move forward.
I've gone through the similiar thing -- still a little bit painful,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is the
resource help me out.
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