Q:I am on Cobra in the State of Florida. I have been declined for individual health insurance because of pre-existing conditions - what are my options when Cobra runs out?
A:A new employer’s group plan can not decline you or put limitations on pre-existing conditions if you have had 18 months of creditable coverage.If a group plan is not an option, you maybe able to purchase a plan through your state’s department of insurance.You can find their phone number at www.naic.org. If you are interested in an Alternative to COBRA, click here for more information.
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