Individual Health Insurance cost

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rummy
Regular Member


Date Joined Mar 2009
Total Posts : 27
   Posted 10/8/2009 10:30 AM (GMT -7)   
Hello:
 
I'm just curious to know, as a CD patient,  what would be my health insurance premium per month if I try to get it on an individual basis?
 
Can I even get coverage?
 
Thanks.

Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 10/8/2009 11:42 AM (GMT -7)   
Honestly, I do not think at this point you could even get insured. Crohns is considered a pre existing condition. If you did get insurance it would be costly and probably alot of stipulations attached that wouldn't make the insurance that great. Most of us are covered under insurance from our jobs or our spouses, the pre existing clause is waived thru most employer plans. Hope that helps.
Gail*Nanners* Co-Moderator for Crohns Disease and Anxiety/Panic Forum
Crohn's Disease for over 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium  w/Vit D, and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia, Osteoarthritis, and Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
It's scary when you start making the same noises As your coffee maker.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 10/8/2009 2:05 PM (GMT -7)   
I was wondering the same thing too actually since my COBRA coverage runs out soon. State insurance doesn't cover my medication or my doctor.
Diagnosed with Crohn's in May of 2008.
Currently taking: Prednisone, pentasa, omeprazole, and humira. Using probiotics and a multivitamin.
bonniegriffith.blogspot.com/
Learning how to live again.
"He who has a why to live for can bear with almost any how."


notsosicklygirl
Forum Moderator


Date Joined Dec 2008
Total Posts : 14165
   Posted 10/8/2009 5:21 PM (GMT -7)   
I was denied by all of the major health insurers. They did say there was a package by Kaiser I might be elligible for but it was expensive and didn't cover much.
Diagnosed with mild proctitis in March 2007: Treated with Canasa (as needed)
Horrible relapse: August 08 - December 08: Began treating with Asacol 400mg (9/day) + Canasa 2x/day - Anemic
Canasa nightly + Asacol (9/day) + Probiotics + Iron
 


vitaka
Veteran Member


Date Joined Jun 2006
Total Posts : 887
   Posted 10/8/2009 5:51 PM (GMT -7)   
When I tried to get individual health insurance through BlueCross, I was denied. I had to file for their open Enrollment plan, which is specifically for people who are denied the standard insurance. I paid $151/month for pretty minimal coverage. For example, they only covered up to $1500/year in prescriptions, so I actually had to stop taking my Pentasa when I got on the plan because I could no longer afford it. Luckily I was in remission at the time, so I did not have many doctor appointments, but I remember being terrified of getting sick while on that plan.
29f, PhD student, originally diagnosed with Crohn's in 2/06.
10/09: Prometheus test shows results consistent with UC
Rheumatologist appointment 10/12 to address severe joint pain
Currently taking: 2g Pentasa, 20mg prednisone, 150mg Trazadone, multivitamin, vitamin D, magnesium, probiotics


pimfram
Veteran Member


Date Joined May 2009
Total Posts : 506
   Posted 10/8/2009 6:39 PM (GMT -7)   
It really depends on what companies you look at. I have a relative who works at an insurance company and I have the ability to get coverage through them, but I have held off because I can still be COBRA'd (although it's $500/month). Prices weren't too exorbitant, but they sure weren't cheap. Also, if you're a graduate of a college or university, many have personal medical insurance available to alumni. I've checked this out, too, and I wasn't declined.
Diagnosed with CD July 2007
Currently on Remicade, Imuran, probiotics, folic acid, multivitamin.

Amor fati - Nietzsche


Peety
Veteran Member


Date Joined Mar 2008
Total Posts : 2855
   Posted 1/23/2011 9:33 AM (GMT -7)   
If you don't have access to any group plan, check the state's high-risk pool. I'm not sure that's what you meant by state insurance...and it's called different things in different states.

You're probably going to cost an insurance company way more than they could ever charge in premiums, so an individual policy is likely out of reach. Under health reform you will have access to insurance again...if they keep all the insurance reforms including the individual mandate.
49 year old female attorney, diagnosed UC/pancolitis 1985.
Asacol for 20+ years with Prednisone & Rowasa for flares (But nothing since Remicade).
Food sensitivity test by Naturopath showed wheat/gluten, other intolerances, helped some.
Remicade started April 2009 (Humira denied) and doing great~ learning what normal is~ wow

tooth
Regular Member


Date Joined Jun 2010
Total Posts : 337
   Posted 1/23/2011 10:32 AM (GMT -7)   
I looked into it before I knew I could get insurance at my job (then onto my husband's insurance). The best offer I could find was like $550/month (for good prescription coverage, good hospitalization and maternity benefits) and that was with a pre-existing condition clause of one year and the agreement that they'd cover Crohn's AFTER as long as I stayed in remission...or pretty much didn't use any of their services.

I'd look into the high risk groups. Under the healthcare reform, there's supposed to be more money being diverted to the high risk groups so they have more funding. The only downside is I think you have to be without insurance for a year....

Maybe try contacting an insurance broker who works with high risk groups (their websites can be found online...) and see what they can offer you. I'd also contact some of the local hospitals and see if they offer any kind of services for people who are uninsured. The hospital I'm affliated with offers a care package (at no cost) for people who can't get private insurance and don't qualify for state insurance. It covers emergencies and some hospitalizations. So it wouldn't be perfect, but it'd be better then nothing. Also contact the makers of the medications you're on and see if there's any kind of funding options for your meds...

artist guy
Veteran Member


Date Joined Jan 2010
Total Posts : 1373
   Posted 1/23/2011 10:47 AM (GMT -7)   
I'm on ssdi, and I have cobra right now, ss contacted me and cobra has to offer me coverage until my medicare kicks in, that doesn't mean I can afford cobra, we'll see how my art business takes off at new location. But i was accepted on to medical until I get medicare, and I went on their website to see what med's they cover, all of mine, including rem, and benzoid drugs as well as pain med's.they said that the reason they will ok benzoid drugs because anxiety is so prelevent in cd, they won't allow as much as I take but I'll adjust. I was offered a plan thru kaiser for $1,200 per month. we homesteaded our house, that way we can't loose it  thru medical bills, cost $20 to homestead. I also found out that they have to offer my wife coverage for additional 36 months, because of my disability. as well doesn't mean we can afford it, but if I get medical, i want her to try to keep cobra, we're both artist's. but this was thru my old job, i worked two jobs starting in 2005, casino job and my art, so my wife had ins. thru my casino job,(the worst for cd).

GDen
Veteran Member


Date Joined May 2009
Total Posts : 703
   Posted 1/23/2011 12:44 PM (GMT -7)   
It really varies according to what deductible, etc. you choose, and what state you're in. Check out ehealthinsurance.com for prices. If you're excluded because of a pre-existing condition, most states have high-risk pools and have quote calculators on their web sites.
Cimzia, Asacol

CrohnieToo
Veteran Member


Date Joined May 2003
Total Posts : 9448
   Posted 1/23/2011 4:46 PM (GMT -7)   
I thought that if you had continuous insurance coverage you couldn't be refused coverage when switching insurances.
My computer says I need to upgrade my brain to be compatible with its new software.

Peety
Veteran Member


Date Joined Mar 2008
Total Posts : 2855
   Posted 1/23/2011 5:15 PM (GMT -7)   
Healthcare.gov is the new government website where you can find out all sorts of info about insurance available in your state.

I think you can't switch from a group plan to an individual plan and be protected from pre-existing condition clauses, or from being denied. But I'm just relying on my memory. Health reform changes all these rules.
49 year old female attorney, diagnosed UC/pancolitis 1985.
Asacol for 20+ years with Prednisone & Rowasa for flares (But nothing since Remicade).
Food sensitivity test by Naturopath showed wheat/gluten, other intolerances, helped some.
Remicade started April 2009 (Humira denied) and doing great~ learning what normal is~ wow
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