I have some pre-existing conditions, namely fibromyalgia and
allergies, and am looking for a new individual health insurance plan. 
I currently have Pacificare POS plan, which unfortunately will be
discontinued Sept. 1st of this year.  They offered to move me into
their HMO plan automatically upon discontinuation of my current plan,
but I have been pretty unhappy with them and the HMO plan they have
stinks.

I am wondering if there are any other plans out there, PPO or HMO,
that are better than the option I have with Pacificare, and that would
accept me with the conditions I have.  I'm also wondering if I could
somehow get on Kaiser's Plan. I heard that there were groups and
associations one could join that would then enable you to join Kaiser.
 I'm interested in learning about this.  I already know about Care
Entree and am not interested in that option.  Anyone have any ideas?

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Request for Question Clarification by mwalcoff-ga on 11 Jun 2003 16:53 PDT

In what state do you live?

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Clarification of Question by nerv-ga on 11 Jun 2003 17:35 PDT

I live in southern California.

Hi nerv,

I know of a fantastic insurance company... It's called American
Republic...

They don't operate in every state so check coverage. Also not sure
about pre-existing conditions, but they have several different plans.

What makes them so great is the customer service and the fact they
have a policy to pay every claim promptly and ask questions later. Not
meaning they pay obvious exclusions, but if it's a grey area, they
pay, quickly.

Their rates are not cheap either, because they have great coverage.
They even pay for Viagra...

Link: http://www.aric.com/default.htm 

~~Cynthia

Kaiser dominates in Socal, but I have Blue cross and am happy with my PPO.