Edwin Said:

Health insurance???

We Answered:

As I said in my other answer to you; with most policies you cannot get pre-existing conditions covered. Your best bet would be to visit a local independent agent. This person can find the best policy for your situation and they don't charge anything for the service. You may have people respond to you offering medical discount cards.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Leroy Said:

health insurance?

We Answered:

"Getting the most" out of your health insurance usually only happens when you get sick or get into an accident. Health Insurance is a "just in case" type of insurance, like automobile insurance.

However, you may want to look at your policy and see if there are any provisions for "wellness" or "preventative" doctor visits. If these provisions DO exist, make an appointment with a physician to get a check-up.