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I am under the Nat'l Health Insurance in Japan. What is the best way to switch to a company in the States? |
I have had two hernia surgeries while in Japan, and I don't feel the problem is cured. But I am putting off getting it evaluated until I return to the States. I would like to switch to a program that would cover things that the old program took care of, in the event that I need another surgery. Will a past problem pose a threat to a new insurance provider? If so, how can I deal with the issue? Are you moving because your company wants you to work in the US? If so, the company probably has a health plan for its US workers. US health care, unlike almost any other nation, has an employer-provided model of health insurance 鈥?most insured Americans have health insurance through work. It鈥檚 much less expensive than buying it on your own. As for the pre-existing condition, most plans have a 12-month waiting period, or exclusionary period, for such conditions. In addition, some plans exclude hernias in the first six months of a plan 鈥?even if you don鈥檛 have a history of having hernias 鈥?unless it鈥檚 an emergency. So, your hernia shouldn鈥檛 stop you from getting insurance, but you might have to wait until your insurance covers hernia surgery. After the first waiting period, though, you should be fine. If you still have questions, try visiting MostChoice.com. It鈥檚 a health insurance Web site that has instant online price quotes and plan details. But it also has a network of licensed insurance agents who can answer any health insurance questions you might have. Just fill out a form, review the online price quotes, and within two days agents should contact you to talk about insurance to cover your hernia and how long you can expect to wait until the insurance will help you pay for the surgery. There鈥檚 no cost or obligation. Just wait until one of the agents delivers the insurance policy that鈥檚 right for you. You can visit MostChoice here: http://www.mostchoice.com/health-insuran... Hope this helps, Barnes @ MostChoice. It depends on the insurance policy available offered by your employer. Many will with an exclusion period of said hernia or other preexisting conditions. Look at glyconutrients to help heal your body. read my page and the information on stem cells. Also we have a branch in Japan. I am under the same Natl' Health Insurance in Japan. It worries me when we return back to the States next year. I heard even if you have your employer's insurance. I don't know. But, one thing I know. In Japan, the doctors really don't take conditions seriously unless it's really serious and obvious. Luckily, I haven't had much of problem myself in Toyota. It's a hospital associated with Toyota Motor Corp. I am worried about health care coverage in America. It's really a shame many people have to stress over their health care. But, at the same time the socialist system doesn't work all that well either. |
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