Getting a Blue Cross Blue Shield Health Insurance plan depends on many factors. One factor to consider is if the plan was obtained by getting it on his/her own or through work. But in general, employees with pre-eisting conditions cannot be turned down for health insurance if they are getting the plan through their employer. There may be instances where an individual may be turned down for a health insurance due to a pre-eisting condition if one is getting the coverage on his/her own. For eample, you are covered with Blue Cross Blue Shield health insurance through your employer. Then, you got hospitalized because of a car accident a month after your healthcare needs are covered by Blue Cross Blue Shield. In such a scenario, your health insurance company will send you a letter stating their intent to help you with your medical prescriptions. They may however decline from covering any pre-eisting condition under your plan for about 18 months. Asking for help from a licensed health insurance agent who represents multiple insurance companies in a particular state will be very helpful in providing significant details about available Blue Cross Blue Shield Health Insurance coverage. The agent will also know which insurance companies will more or less likely approve your application depending on an individual’s medical history. Those interested in getting a Blue Cross Blue Shield Health Insurance plan may consult with a local agent over the phone or may visit a licensed online agency. Online insurance agencies often provide free quotes, read customer reviews, compare several plans and assist in online applications. -- June 17, 2009 @ 9:29 am