Re: insurance

Hey I can tell you what happen with me  I was covered when I was working for a company but my child was on mine and hubby's so when I left I jumped on his  then his company decided to do their own insurance and they would not take her because of her condition I told them...you have to because she was already covered thru you before just because you are  changing does not give you the right to cancel my kid... the sad part was losing her ped dr becasue he was not on the list of drs so I showed him the list and he told me which were good ones and which not to choose so that I could narrow it down...the other was her neur we did not see him on the list and I was concerned so I talked to the insurance they told me I could petition him to get on the list so I filled out the papers and when they were turned end...we got a call that told us he was listed just not on the up dated list...I was so glad and the cool part is the new ped knows the neur. so i dont have to deal with referrals its a done deal....but if this had not gone smooth i would of had to find outside insurance and that research was a pain in the bootie....they told me they had a grace period(if she got sick thur this they would not pay) but if she was not sick for and thur the grace period it was cover but they could still decide not to cover her ....I was soo upset with this whole process.....I am ok for now  but when he retires i dont know what will happen   good luck ( I am in cailf and we have the healthy families and it was helpful if I need them) will see....its not fair but comapanies are out their that dont care

take care debi

 cmsirish@... wrote:

In a message dated 2/27/2003 2:18:08 PM Eastern Standard Time, cmcs21@... writes:

I am just
trying to find out what our options are in case work with benefits is
not found.  Who knows with our economy the way it is today what
tomorrow will hold.  Does anyone have ideas or suggestions on medical
coverage?  Thank you.  Misty

hi Misty,

welcome to the group.

i worked in the group health insurance industry for more than twenty years, i think i can answer some of your questions.

your COBRA should be available for 18 months, if you can afford it for that long. 

i am not entirely sure this applies to individual policies, but all group plans (those offered by employers) are governed by the HIPAA regulations.  bottom line, this states that if you were covered for a condition by a previous plan (be it group, individual, Medicaid, Medicare, whatever) and did not lose coverage for more than 63 days, any pre existing condition exclusions will be waived for either the length of time you were covered by the previous plan or the entire prex period.

now this may be streching a bit, but i am in the process of applying for financial aid to return to school, and yes, it is based on last year's income.  however, i am now out of work and my husband will be going in for a shunt revision on Tuesday.  our income is not even close to what it was last year.   the school does have a method of making exceptions to that.  i would wonder if any of the medicaid programs, etc would have any kind of procedure for just these situations. 

good luck.

maggie

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