Hi insurance is through his former employer and it is a regular policy. Not a high risk or government policy.
His former employer wanted to spare him having to pay a high premium to a Cobra plan and offered to extend his participation in his group plan as long as my frind pays the premium.
Hello again, Gloria.Unfortunately, PA has suspended applications for its federally-sponsored high risk health insurance program, so your friend could not gain coverage through the state I'm afraid. Since he does have a pre-existing condition, I would expect him to be denied coverage for other plans unfortunately, unless he qualifies for Medicaid once he is a resident of the state.Therefore, if his employer-sponsored plan is not a national plan, he should not move to PA if at all possible, or continue to maintain residency in NJ.Here is a link to the PA high risk plan, which indicates enrollment has been suspended:http://www.pafaircare.com/I hope this helps clarify the situation for you and your friend. Please remember to rate my service once you have all the information you need. If you have any other questions, please ask me – I’ll be happy to respond. Thank you!Tina
Hi TinaThanks for the suggestion to review the actual plan the company offers toget a clearer answer. I failed to mention that my friend will qualify forMedicare in March of 2014. How will this effect his coverage?He needs to move to Philadelphia because his Alzheimers will cuse him toneed the help of famui;y (who are in Philadelphia.Any further suggestions you may offer will be appreciated.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).