Bipolar Disorder Support Group

Bipolar disorder is not just a single disorder, but a category of mood disorders marked by periods of abnormally high energy and euphoria, often accompanied by bouts of clinical depression. This is the place to talk about your experience with bipolar disorder, learn from others' experiences, and find support.

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Question

joybells
joybells
Does anybody know of an insurance company that will except BPers?If you do I would appreciate the name of the company.
Marilyanna
Marilyanna
Medical ins, car ins (who yoou never tell you're a bper!!!) life insurance (where you normally have to be so many years from a hospitalization)??
chilvr
chilvr
why would an insurance company refuse you because you are bipolar?
deleted_user
deleted_user
All group insurances have to accept you. The insurance company may impose a pre-existing condition clause which usually lasts for 2 years. After that, any medical condition is covered. The key though is being part of a group insurance. Like working at Starbucks or Wally World.
chilvr
chilvr
but what about if you don't work? i'm currently on cobra, and going to school, but my cobra will run out a year and a half before i graduate, and i will have to get it on the open market? you mean, i won't be able to get insurance?
joybells
joybells
I've had insurance companies refuse to cover me because I'm bipolar.I haven't been hospitalized since 1996.
deleted_user
deleted_user
It is best to buy insurance while you are still covered. It is expensive. There will be restrictions regarding pre-existing conditions.

If you are near the outpatient clinic of a hospital, you can also apply for a charity discount if you are uninsured and have little money. They have to give these because they receive money from the Feds. I had one for 70%, then had a payment plan for my copays.
deleted_user
deleted_user
i tried to get insurance in uk and anything ive had syptoms of, diagnosed or not, they wouldnt cover me for it.

but here u can get it free. after 6 years.
deleted_user
deleted_user
Some states have a pool type thing the premium is high it will cover you even if you are already sick. As for private I get turned down by everyone, I have mine through work with no preexisting clause
joybells
joybells
Thanks for all of your replies.
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