Question: I had back surgery (a straightforward discectomy) just over six months ago. I am now pain free and no longer receive any kind of treatment. I am at the end of my husband’s group COBRA plan (at the end of 2012), and we need to re-apply for insurance. I was told that I would definitely be denies insurance if I had had back surgery within six months. Now that I am more than six month past my surgery, is an insurance company likely to deny me? Are there any companies that might be more likely to cover me given my surgery? Is there anything I can do to improve my chances of getting approved?
Answer: Sometimes 6 months is enough to satisfy the underwriter. If it is disc related, operated, and sign symtom treatment free for a minimum of six months you could be considered with a physician statement that attests to your treatment and current status. You should work with a good agent. You would benefit from some professional assistance.