h******m
发帖数: 8 | 1 今年五月份从学校毕业，现在是F-1 OPT 状态。学校的医疗保险八月底到期了。但是这
半年一直在接受治疗。后续还会有一些复查。因为已经毕业了，学校的医疗保险不能续
保了。想问一下，可不可以买外面的保险，并且可以cover后续的治疗费用。不知道会
不会被当做pre-existing condition 拒保。 | t*******n
发帖数: 4445 | 2 * 3 possible consequences: denied coverage, increased premium or a waiting
period between 0 days and 12 months (after you join the policy but before
they start covering this condition).
* The best way is ALWAYS finding a job with good benefits including group
medical insurance. They will cover you regardless of your medical history.
* Talk you your doctor to estimate how much your treatment and follow-up
will cost (at least to the magnitude of $).
* Ask your expiring policy carrier whether it is a group one subject to
HIPAA law (If yes, and you decide to get new private insurance, do so within
63 days. Then he new insurer cannot impose additional restriction because
of this pre-existing condition), and whether COBRA is an option (the same
coverage, but you pay the premium, may be more than what you need though).
* The whole game changes on 01/01/2014 thanks to Obamacare. Insurers will
not be able to impose any discrimination, see
http://en.wikipedia.org/wiki/Patient_Protection_and_Affordable_
【在 h******m 的大作中提到】
: 今年五月份从学校毕业，现在是F-1 OPT 状态。学校的医疗保险八月底到期了。但是这
: 半年一直在接受治疗。后续还会有一些复查。因为已经毕业了，学校的医疗保险不能续
: 保了。想问一下，可不可以买外面的保险，并且可以cover后续的治疗费用。不知道会
: 不会被当做pre-existing condition 拒保。
| t*******n
发帖数: 4445 | 3 比较全面的回答了这类问题，并包含最新动态。
BZ,BF看没问题的话可M上 |
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