My Cobra coverage expires on March 31st. I contacted my insurer, as I was instructed to do, in a letter from them. I was given the information that I could convert to an individual policy effective April 1st. They informed me that I would not be asked anything about pre-existing conditions (an important thing for me). I requested that she send me information, as I did not want to make a decision over the phone. I received information on 3 plans, and then visited a satellite office of the insurer.
I worked with the agent, asked the questions that I had, and purchased the insurance. Yesterday I received the plan booklet, and I find that pre-existing conditions, diagnosed within the past 5 years are excluded from coverage. I know that not asking about pre-existing conditions has to do with the cost of coverage, but I thought that since I had group coverage (through a former employer), that pre-existing conditions would be covered.
Now the question(s), 1. Will my prescriptions for my pre-existing conditions not be covered? 2. Will all conditions I have had diagnosed or treated (spinal stenosis), (knee replacement), (diabetes), (high blood pressure), not be covered when I go to my treating physician?
Help, I'm so totally confused.
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