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sulleysullivan
Regular Member


Date Joined Dec 2008
Total Posts : 44
   Posted 3/5/2009 7:49 AM (GMT -7)   
ok so i live in minnesota i'm 19 and am not a full time student so i am getting booted off my parents insurance my question is...if my insurance lapses how difficult is it to get insurance with crohn's disease?  does it matter if it lapses? i know its going to be expensive i just need to know if i'll be able to get insurance again.
"I feel infinite." -the perks of being a wallflower


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 3/5/2009 7:52 AM (GMT -7)   
You will probably be able to get on an employer provided insurance, but probably have pre existing condition problems getting insurance on your own. Yes, it does matter if it lapses, especially if you have a chronic health condition like Crohns due to the preexisting condition, so I would try to get insurance asap. Hope that helps.
Gail*Nanners* Co-Moderator for Anxiety/Panic Forum
Been living with Crohn's Disease for 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, and Calcium and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia and Osteoarthritis and Anxiety. Currently my Crohns is in remission.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

mtgman
Veteran Member


Date Joined Mar 2005
Total Posts : 1289
   Posted 3/5/2009 8:02 AM (GMT -7)   
maybe get back in school- tat way you can stay on parent's insurance until you're 23 i think...also most schools have student health ins...if you can't go to school get ins. fast- look for a job with benefits (from day 1 if possible- may be tough though)
good luck!

Wolfie40
Veteran Member


Date Joined Dec 2008
Total Posts : 947
   Posted 3/5/2009 8:36 AM (GMT -7)   
Are you saying if I lost my job and insurance and got a new job and insurance they would not cover me because of my Pre-existing condition?
That would really suck!!!
Diagnosed with Crohns in 2001
First and hopefully last Ileocecectomy 2/18/2009

Medications: Asacol, Folic Acid, Multivitamin, Dbl. Calcium, Probiotics, Protonix, B-12 injections every 8 weeks.

Living a Great life with my Wife and my two Chocolate Labs
Hunter & Hailey.
I love them dearly.


mtgman
Veteran Member


Date Joined Mar 2005
Total Posts : 1289
   Posted 3/5/2009 8:52 AM (GMT -7)   
if you go without coverage for a certain period of time then yes they can exclude any coverage for your pre-exisitng condition for a period of time...ussually a year i think...that's why it's so important to maintain coverage through the employer, cobra, school etc...

annyb
Regular Member


Date Joined Feb 2009
Total Posts : 62
   Posted 3/5/2009 10:25 AM (GMT -7)   
I believe that the rule on Pre-Existing conditions is a up to a year. So if you were covered and then got booted. If you found insurance 4 months later they can only deny you for 4 months. It's all very confusing. You may want to check into COBRA from your parents insurance. I'm not sure if that applies but it is worth checking into.

Also, anyone out there who is on COBRA, the new stimulus package from Obama has provisions to help pay for it. There are guidelines of course, but I would definitely do some research. I unfortuneately, missed the cut off date by 3 days! 3DAYS!!! It just doesn't seem fair.
Crohn's Disease - 29 years
Diagnosed at age 10 in 1979
1st ileosecal resection 1989
2nd colon resection 1993
Chronic "D" and arthritis
Chronic rectal stricture with colonoscopy every 3 months to dialate
Insomnia since 1980 - I love my ambien!
 
SCUBA diver, Master's degree student, college graduate, Pet therapist
 


HabsHockeyFan
Veteran Member


Date Joined Jan 2006
Total Posts : 3130
   Posted 3/5/2009 11:43 AM (GMT -7)   
First, Pre-existing would not apply to you if: you get coverage without a lapse from your parents coverage due to HIPPA laws. get a certificate of credible coverage from your current carrier. That is sent to your new carrier and pre-ex is waived to the extent it was waived under your prior coverage.

Second, if you are not getting coverage elsewhere right away, get COBRA from your parents plan. It is expensive usually, but it will prevent a lapse in coverage. Also, check into governmental assistane for COBRA premiums. The laws are just changing on the premium assistance they are giving so I do not know the current details.

Contact the carrier for your parents for this information. They are required to send you a notice of COBRA eligiblility, but you can always call to ask more questions.
Dx'd '90 (emergency rupture), symptoms ignored long before that, '03 fistulas and bad flagyl reactions, B12 weekly, Pentasa [until I surrender to the bigger meds]
I'm riding on the escalator of life....


Kriss
Regular Member


Date Joined Mar 2005
Total Posts : 357
   Posted 3/5/2009 4:00 PM (GMT -7)   
You should also look into Medicaid.. I live in NY and I know that here depending on how little you make, you are eligible.. it pretty much covers everything 100%..
32 year old female... diagnosed with Crohn's/Colitis at age 16, then with Proctitis in 2005... right hemi-coloctomy April 2001 (removed 12 inches)... currently taking 100mg 6MP, Canasa, acidolpholus, Protonix, B12 injections once a month, tapering dose of 40mg Prednisone, Bentil and Percoset as needed... considering Remicade


pillpopper
Regular Member


Date Joined Jan 2009
Total Posts : 209
   Posted 3/6/2009 5:06 PM (GMT -7)   
Cobra, Cobra, Cobra...
My son dropped out of
college,had a p.t. job
and no insurance...
We paid for cobra for
six months, and we live
from pay check to pay
check, until he found a
f.t. job...
Without insurance I would
be done,done done...
diagnosed 1981
remission until 2006
Remacade,resection
B-12,Pentasa,Loperamide,
Entocort, 6mp,Hydrochlorothiazide
Remission since surgery
and 8-week Remacade.
d since 1981(enjoy the look
on Dr's faces)

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