short term health insurance

[drbell]

I recently saw my primary care physician for mild chest pain and occasional irregular heartbeat.  All tests came back normal- bloodwork, EKG, and holter monitor.  I believe I was originally diagnosed with a cardiac arrythmia and angina due to my presenting complaints.  A short term medical policy I would like to apply for has a question that asks if I have consulted a health care professional for a heart disorder including but not limited to heart attack or chest pain.  My question is if I would qualify for this policy since all of my tests came back normal and I have not experienced any symptoms since.

Are there any short term policies I would qualify for based on the information about my medical history that I provided?  

[InsureBob]

It will be a "pre-existing condition" and will prohibit you from getting STM.  You should have applied for the short term medical before this happened.  It would be the same as if I had an accident, then the next morning, got car insurance, and demaned they cover the accident I was just in.

I would suggest you shop around for a "mini med", or limited health plan.  Some companies that have those are Homeland health, United American, or Mega Life.  These are not major medical plans, but are designed for those that don't qualify medically for health insurance.  They are also called Association plans.  You can google that term, and get a long list.

[moondog52]

Probably not based on my experience. The ins co will probably want to see the opinion of a specialist to base the decision on your ability to work.

Now having said that, I have very good ins and they have never questioned my PCP's
referrals to a specialist (and I don't have the issues you have had), nor have they questioned *that* specialist referring me to another. But I did get referred to a
cardiologist (by my PCP for further tests) due to edema and fatigue associated
with my illness.

Hope that helps answer your question.