I think it does vary, but there's some new legislation that says if you've had continous coverage up until you get a new ins company they will have to cover any pre-existing conditions. If you've had a gap there's a possibility you may be a little out of luck. As far as companies go...when you get an individual plan you're never going to have the kind of coverage you get with a group. My husband works with his dad in a family business and has a blue cross plan. Basically, when you buy the individual plan it costs a fortune...I think it's over $700 every 2-3 months. And they don't cover a whole lot...when I had the flu and needed antibiotics it wasn't covered...and they don't cover the annual exam pap/pelvic or any mental health either. The Rx coverage pretty much sucks too. You'll be alright if you lose a limb or something tho...lol. Sorry I don't have better advice...maybe you'll find something better out there. Good luck!!! |