Medical Malpractice

What health insurance company does not disqualify people with kidney disease in family history?

My girlfriend is 37,non-smoker,living with parents in Geauga County,Ohio.There is history of kidney disease in her family.She runs the risk of having this later in life.She is on Social Security Disabilty for bi-polar,but works part-time.Her current health insurance is limited to one Cleveland hospital that requires she pay 80%.She is otherwise,the picture of health.5'6,130lbs. She needs health insurance that will not disqualify her for disease that may or may not materialize. Jack,did you answer the question just to get a Yahoo credit? My only response is..Duh! And if yahoo gives you credit for a best answer,I will fight the credit.

Public Comments

1. She's facing a rough road ahead when it comes to qualifying for medical coverage. The only answer I can think of is to find employment with a company that has a good benefits package. Sorry to hear of her plight. I hope things work out for her.
2. If you are looking for individual insurance, I would say look for a high risk pool in Ohio. These are administered by a company (in Texas, its Blue Cross) and underwritten with state funds. They are required to accept everyone and while incredibly expensive, the coverage is good. The other option is group coverage. She goes on your employer plan as your spouse. If you have an HMO option, there would be no pre-existing condtion, if she goes on the PPO (or anything besides an HMO) there will be an 18 month exclusion on the bi-polar, but if she has never been treated or seen on the kidney issue, there would be no pre-ex exclusion for that. Health Insurance typically does not ask for a family history and its not the kidney issue that will keep her from getting coverage, but the bi-polar diagnosis. The kidney issue would cause coverage problems for life insurance. Hope this helps and congrats on your engagement!
3. OK, she's not going to have a problem with kidney disease, because she doesn't HAVE it yet. Her problem, is that she's DISABLED, AND, she's bipolar. Either one of them is going to disqualify her. But, if she IS disabled, on SSDI, she should qualify for MEDICARE, welfare health insurance for those on SSDI, and that's probably the only place that is going to take someone disabled, who is bipolar.
4. Sorry to hear of what might come. You need to check out this site: www.deliveringonthepromise.com/mkeys The company is AmeriPlan. They are not insurance but a discount program and they have coverage for the entire household whether they are related or not. there are no pre-existing condition no paperwork no waiting and the plans are very affordable. just check them out they may be able to help and if she has the total health plan and has to go into the hospital they will work with her and the hospital to give her a HUGE discount on her total bill (ex. 30k down to 5 or 10k) hopes this helps and good luck with everything.
5. State Farm Insurance is probably your best hope ( i don't work there). If they say no, you can go to one of the small local agencies who charge triple the normal rate. If she has no claims for 3 years, her rate will go down..