Have some insurance questions for the uninsured..

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Aerosmithkat
Regular Member


Date Joined Aug 2008
Total Posts : 21
   Posted 8/11/2008 4:11 PM (GMT -7)   
So i have been recently diagnosed with Crohn's and it unfortunately "caught me with my pants down", if you will. I'm a hairdresser, and our work insurance is insanely expensive. I had this sense of immortality and never signed up so I am currently uninsured. The gastro doc has been super helpful by giving me samples of my Asacol until i hear back from Medicaid. If i'm denied, i'm going to have to figure something else out. I've called some insurance companies and they mainly say Crohn's is a part of their "denial" list. I'm moving to Florida in 7 weeks and will be job hunting asap as soon as i get my address from the apartment complex. So is it true that these companies can flat out deny you individual insurance forever or is there something i'm not understanding? As a hairdresser, a lot of independant salons don't have group insurance so i'm wondering if i need to work something retail just to get the insurance. I enjoy doing hair though, in an independant setting as opposed to a walk-in place.

Chasity102304
Regular Member


Date Joined Nov 2007
Total Posts : 165
   Posted 8/11/2008 6:23 PM (GMT -7)   
I think if you get your insurance through your employer, they can not deny you coverage. I could be wrong, but I am pretty sure that's what the other posts on here have said and what I know from talking with others. I have felt bad in the past about forcing my husband to stay at his job because the insurance is so great but you have to outweigh the benefits of having coverages that makes your portion a mere % of THOUSANDS of DOLLARS in meds and treatment.

GOODLUCK!!
Fibromyalgia DX March 2003
Crohn's DX Jan 2006 (Symptoms since 96-Misdiagnosed as "female" problems-Major flare during pregnancy in 05 which lead to DX)
1st resection July 2007
Currently on Remicade/8 weeks


petittarte
Veteran Member


Date Joined Apr 2006
Total Posts : 686
   Posted 8/11/2008 8:01 PM (GMT -7)   
In NY state you can not be denied coverage due to a pre existing condition although there can be a waiting period for coverage for said condition if you had a lapse in coverage of more than 63 days. That being said every state has their own rules and you would need to contact Florida's state insurance board to find out what theirs are.
Jodi

Remicade and 6MP


Jen77
Veteran Member


Date Joined Mar 2006
Total Posts : 2690
   Posted 8/11/2008 11:13 PM (GMT -7)   
I've always thought the rule was that they could deny you for pre-exisisting conditions, if you had a lapse in coverage of over 90 days. That's the way it is here. So if DH changed jobs, and didn't get back on insurance in 90 days, I'd be screwed too! Scary I know.
~Jennifer
 
Diagnosed with Crohn's Disease 2/06 after sever GI bleed. Has been suffering since 1998. History of rectal fistula and gallbladder removal. Currently taking Prednisone: tapering down again at: 4mg now, Asacol, Questran, Toprol XL (for high blood pressure).


Bane
Veteran Member


Date Joined May 2007
Total Posts : 589
   Posted 8/12/2008 3:55 AM (GMT -7)   
Depends on your state's laws. Clinical trials are worth looking into, and some drug companies have reduced price programs.
20, Male, diagnosed over Christmas Break of my Junior year in High School. BEST CHRISTMAS EVAR LOL

(not really)

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