Why Would BCBSTX Offer A Rider And A Rate Up For Migraines? 
It is fairly common in many states to `` rate up '' 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 . 