Health insurance after an injury?
August 22nd, 2007 by 
Administrator n90890 asked:
I’m currently a student without health insurance. While playing football, I injured my knee. I went to the college student health and found out I have an injured MCL, a bruised bone and a torn meniscus, and the doctor recommends I have an MRI and visit an orthopedic surgeon but without health insurance I can’t do these options. First off is with attending a college student health and not a hospital, would the health insurance find out about the injury if I get Health insurance, and if not, how long do I have to wait to wait to get treatment done on my knee that the health insurance would cover?
Question posted courtesy of: Caffeinated Content
Posted in Injuries | 
5 Comments »
August 22nd, 2007 at 6:08 pm
If you are applying for health insurance as an individual, they will request all previous medical records and many insurance companies have something called pre-existing condition where they will not cover for any treatment to a pre-existing condition, illness or injury, however most group insurance policies would wave the pre-existing condition and will cover all related or non related claims, the best way to find out is to talk to your insurance agent and ask if the policy he/she is offering has any pre-existing clause in it, and don’t lie about your past medical history, once they find out the policy will be terminated for providing false information.
Good luck!
August 25th, 2007 at 1:14 pm
ihovyg is correct about pre-existing claims. I worked in a doctors office for 20 years and seen insurance companies deny people treatment for pre-existing conditions.
August 25th, 2007 at 11:44 pm
based upon your status,I believe you should find something useful here.http://health-insurance.expert-tip.info/affordable-choice-health-insurance.html
August 27th, 2007 at 11:08 am
Waiting periods for individual insurances are quite long, exactly to prevent paying for people who decide to get insurance after the injury or illness. Makes sense. However, there are non insurance plans out there that could save you as much as 80% on your lab work such as MRI, and to 50% on doctors visits such as orthopaedic surgeon. These plans have no waiting periods and no preexisting clauses and can therefore help you. I am listing a few of the plans below:
August 28th, 2007 at 12:53 am
I can relate. I was in the same situation in my early 20’s. Exams, meds, check ups etc.. are expensive, especially for serious injuries. I found this website,
They are extremely affordable, quick, and no gimmicks. I purchased the program online about 3 years ago and we have saved thousands from the benefits of medical related procedures, Rx and more. I would encourage anyone in your/our situtation to visit the site, and see how they can help.
Good Luck. Hope this Helps