Can't get individual health insurance due to sleep apnea

rmorrow03 · Post by **rmorrow03** » Fri Jun 03, 2005 1:19 pm

Can someone please tell me which insurance companies will accept someone with sleep apnea. I cannot get covered under an individual plan ever since last year when I was diagnosed with sleep apnea.

Guest · Post by **Guest** » Fri Jun 03, 2005 2:59 pm

I've been afraid to switch insurance companies because of "pre-existing condition" clauses.

Unfortunately I don't have an answer for you. However, I do remember seeing a post from someone that many companies will cover it as long as you are already under CPAP treatment.

Might want to do a text search on the forum since I am not positive my description is accurate.

NeurosurgeryNP · Post by **NeurosurgeryNP** » Fri Jun 03, 2005 3:03 pm

As long as you keep continuity of your coverage (no lapse), your "pre-existing" condition is covered.

sleepyinsunnyvale · Post by **sleepyinsunnyvale** » Fri Jun 03, 2005 4:42 pm

I believe that what you say is only true if you go from one group health plan to another. If you are applying for private insurance coverage pre-existing conditions is an issue even if there has been no lapse in coverage.

Guest · Post by **Guest** » Fri Jun 03, 2005 7:20 pm

You can still get insurance but might have to sign a preexisting cause clause where they won't pay on it for a period of time. Keep trying.

rock and roll · Post by **rock and roll** » Fri Jun 03, 2005 7:23 pm

Weird software, this is the sixth message I have poasted in then last few minutes and now I am a guest. Above post is me