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Individual vs Group Insurance

Posted by - Sleepy Coote on January 15, 2003 at 10:50:29:

I've been following the thread below about health insurance coverage and blanket policy denials. It seems individual health insurance coverage can be next to impossible to find if you have sleep apnea. Yet group health insurance coverage through an employer seems to be no problem at all.

Does anyone know if group coverage is available ONLY through employers, or are there other ways to acquire group health insurance coverage? Perhaps from credit unions, professional alliances, or even wholesale club memberships.

Since I'm self-employed I pick up my group health coverage from my wife's employer. However, if her high-tech company ever laid her off, I wonder what my best health insurance recourse would be as a confirmed "sleep apnea patient".

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