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	<title>New answer on: Why Would BCBSTX Offer A Rider And A Rate Up For Migraines?</title>

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		<title>By: Edward Harris</title>

		<link>http://insurancelibrary.com/health-insurance/why-would-bcbstx-offer-a-rider-and-a-rate-up-for-migraines</link>

		<dc:creator>Edward Harris</dc:creator>

		<pubDate>Wed, 29 May 2013 18:50:43 +0000</pubDate>

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		<description><![CDATA[It is fairly common in many states to &quot;rate up&quot; and exclude a condition. While this does not always seem fair, it is legal and approved by the Department Of Insurance.

Your recourse? There is an Open Enrollment in October for 2014 effective dates which should cover your pre-existing condition.

Prior to that time, you could apply with another carrier to see if they would cover the condition, with an added charge. But of course, do not cancel your existing policy until you have written approval and have reviewed all provisions of the contract.

I realize this was not the answer that solves your dilemma, but in 2014, you might have better luck, especially if you qualify for a federal subsidy.]]></description>

		

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