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Barefootsies · 02-12-2007, 06:03 PM

I can't speak for the BCBS in every other state. But I know for Michigan, they accept everyone. Regardless of your preexisting conditions.

That's why their rates are a bit higher than many other companies in the state. It's because they take everyone. Diabetes, cancer, whatever. You have a lifetime cap of 1 million I believe (like an organ replacement's about that much I guess).

But your rates will not go up during the year if you have some new condition. And you will not be dropped for whatever the horror stories I've heard around are.

There are tradeoff's. Like visits are not covered on my plan. Unless they are doing something in particular. So that's $70. But the co-pays are good for individual. Plus I have had a lot of different things this year done from blood work, to minor surgery, x-rays, other tests. Total paid in 2006..... $79 (other than office visits).

So if you are one of these people who have a hard time finding coverage. Get with your insurance rep. They do not like selling BCBS, but you do not have to wait, and they take everyone. At least in MI.

02-12-2007, 06:03 PM
Barefootsies Choice is an Illusion Industry Role: Join Date: Feb 2005 Location: Land of Obama Posts: 42,635	I can't speak for the BCBS in every other state. But I know for Michigan, they accept everyone. Regardless of your preexisting conditions. That's why their rates are a bit higher than many other companies in the state. It's because they take everyone. Diabetes, cancer, whatever. You have a lifetime cap of 1 million I believe (like an organ replacement's about that much I guess). But your rates will not go up during the year if you have some new condition. And you will not be dropped for whatever the horror stories I've heard around are. There are tradeoff's. Like visits are not covered on my plan. Unless they are doing something in particular. So that's $70. But the co-pays are good for individual. Plus I have had a lot of different things this year done from blood work, to minor surgery, x-rays, other tests. Total paid in 2006..... $79 (other than office visits). So if you are one of these people who have a hard time finding coverage. Get with your insurance rep. They do not like selling BCBS, but you do not have to wait, and they take everyone. At least in MI. __________________ Should You Email Your Members? Link1 \| Link2 \| Link3 Enough Said. "Would you rather live like a king for a year or like a prince forever?"