Health Insurance PLEASE

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bmanpoop
New Member


Date Joined Oct 2008
Total Posts : 3
   Posted 1/8/2009 1:13 AM (GMT -7)   
I live in Minnesota and am getting kicked off my parents health insurance because I am turning 23. Apparently they kick you off then. I am a full-time student and have had Crohn's for 2 years. I spend so much money on Meds/Bills right now anyways, my parents health insurance will let me stay on for an extra $400/month. I would have to drop out of school for a very very long time and get a second job or full time job that has great benefits but without a college degree it will be hard to get a job. Just wondering if anyone knows of any good health insurer that accepts preexisting conditions. I've tried a bunch of places and have gotten denied immediately because of my Crohn's. PLEASE HELP ME!!!!

Thanks!
B

provolunteer
Regular Member


Date Joined Dec 2008
Total Posts : 21
   Posted 1/8/2009 1:18 AM (GMT -7)   
  check with medicaid....they have a program for adults based on income and expenses. with crohn's and the amount of medical bills, you shouldn't have any problems unless you have a really good income.

provolunteer-
27 surgeries, 19 fistulas,c-section, endometrios,hysterectomy,arthritis,dry eyes,migraines,kidneys stones,allergies,chronic broncitis,memory not so good, too close to death several times, too many bowel resections to count,
permanent colostomy(rectum removed was harder to deal with than using a baggie the rest of my life) but.......
...... I am no longer a pain in the butt!!!!!!!!


Kaycie
Regular Member


Date Joined Jan 2006
Total Posts : 449
   Posted 1/8/2009 1:22 AM (GMT -7)   
Ditto, and if you are on any high-end drugs, Remicade, Humira, etc. Check with the companies and see if they won't donate the drug. Most have programs for those without insurance.

Hang in there. I've been in insurance limbo before. It's frightening when you rely on it as much as we do.
Kaycie - Age: 26
Crohn's - Dx Nov 05
Failed Remicade, moving onto a Clinical Trial called ABT-874 - Tentative start date - 10/2/08 - 10/16/08  - Infusion, every 4 weeks.
IVF #1 (In-Vitro Fertilization) - Failed
IVF #2 - IVIg, Heparin, Baby Aspirin - TWIN GIRLS!!!
Reagan Dawn - 8/2/07 - Lived 1 hour 27 minutes due to Cloaca, NOT affiliated with my Crohn's
Addison Maria - 8/2/07 - 13 months old


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 1/8/2009 2:26 PM (GMT -7)   
$400/month is not all that bad for cobra insurance. Could you apply for a student loan and use that to pay your insurance bill? Have your parents already said they can't afford it? Maybe they could split it with you? Also, students can get insurance through their school. Most have really crappy prescription plans but it would cover you if you were hospitalized.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


patientspiders
Veteran Member


Date Joined Jul 2005
Total Posts : 733
   Posted 1/8/2009 3:43 PM (GMT -7)   
I'm going to second Fitzy's vote for health insurance through the school... Almost every college/university has some sort of group plan that you can get on - my university only charged $100 month as long as I was enrolled in at least 1 credit hour of classes... it is DEFINITELY worth making some phone calls.

Other than that, there are some retail chains and other employers that offer benefits to part time employees. They are rare, but they do exist. I think Target might be one of them? I can't remember for sure. Anyway, if you switch your job to one that DOES offer benefits for part-timers, that's another possible way to keep your coverage.

And last but not least, as mentioned, there is always the government - be it state-offered Medicaid, or nationally-offered Medicare... you might want to look through the applications to see what you can get rolling.

I've been in your shoes. It all works out eventually, and what doesn't work out we learn to deal with anyway... we're all rolling with the punches, so to speak. Take a deep breath, and don't make yourself any worse by stressing out on it! I know that's easier said than done, but seriously. You've got options. Just make sure you have a good pen handy for filling out all those forms!
27f, dx'd CD July '05 after 6 fistula/abscess surgeries
(miscarried at 13 weeks, now waiting to heal before trying again)
Stopped Humira August 22nd, 2008.
Went Gluten-Free, noticing some definite improvement.
Started LDN October 27th, and already LOVING IT.

"Our greatest fear is not that we are inadequate, but that we are powerful beyond measure."

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