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Can I Deduct Cobra Health Insurance Premiums - condition insurance Story

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This is a story about health insurance. Actually, it's a real life account of the difficult time that my wife and I had trying to get health guarnatee for our family. A few months ago, we found ourselves needing health insurance. After my manager filled for Bankruptcy, I decided to come to be self-employed. The health guarnatee that I had at the time (through my employer) only lasted through the end of that last month and then I was presented with the option of whether letting our policy lapse, or going on Cobra. Qoute was, the Cobra premiums were about 3 times more expensive than the former guarnatee payments. We were basically forced into having our policy lapse because we couldn't afford the Cobra payments.

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Can I Deduct Cobra Health Insurance Premiums

I contacted an independent guarnatee agent that sold health guarnatee for Anthem Blue Cross as well as several other guarnatee companies. I asked him for some health guarnatee quotes. We needed a policy for my wife and I and our 3 children (with our fourth child on the way). He took down some introductory data and then had me go to his website to fill out the application. The application was several pages and took me about half an hour to perfect on his website.

I submitted our application and waited to hear back. When he ultimately got back to me he told me that we were declined coverage because of "pre-existing conditions." I had some back problems in the past and I guess the guarnatee firm didn't want to take the occasion that I would need more treatment or surgeries. Anyway, bottom line, we were declined.

I wasn't well sure what to do at that point. My house needed guarnatee but we couldn't afford Cobra. I started researching health guarnatee online and found a site called health guarnatee Anthem Blue Cross. It's a site that's maintained by a local guarnatee agent named Tom McDonald. I filled out the form and then called Tom. He told me that I could get colse to the pre existing clause by getting a group policy. I guess if you get group insurance, the guarnatee firm can't decline coverage based on any pre-existing conditions. I had an Llc that my wife and I filled a few years back. She uses it to sell children's clothes and blankets that she makes and I use it for some real estate investing work that I do. Tom told me that we would qualify for group guarnatee as long as we applied using our Llc instead of applying as individuals.

We went through the process of applying online and had to show proof that the Llc was active and that my wife and I were members of the company. After about a week, Blue Cross issued our policy! My wife and I (and all of our kids) ultimately had coverage and we were very happy with the way things turned out. We opted for a Ppo and it was the type of coverage that paid our healing bills at 100% as soon as the every year deductable was met. Because my fourth child was born and my wife had to have a C-Section, our deductable was met practically immediately and all of our healing bills for the rest of that year were paid for 100% by Blue Cross! That policy saves us something like ,000 that year because as it turned out, I needed to have an additional one back surgical operation after all!

The point of this letter is this - having the ability to apply for health guarnatee online is very quick and convenient. However, it's also nice to have way to an agent that know the in's and out's of health guarnatee - person who's on your side you know? By using this website, we had the best of both worlds and I would very recommend it to anyone finding into health insurance.

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