HELP - Is there any way to get health insurance other than through employer?

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Optymystic
Regular Member


Date Joined Apr 2007
Total Posts : 218
   Posted 1/28/2010 10:13 AM (GMT -7)   
I have been trying, but gave up for a while, but now it is imperative that I get insurance immediately due to impending divorce.  Have there been any new developments in the insurance industry over the last year that allows Crohn's people to get an individual policy?
Age 41 female.
dx'd in April 2007 - feeling better now
4000mg Pentasa and 75mg 6-MP
Primal Defense probiotic by Garden of Life


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 1/28/2010 10:17 AM (GMT -7)   
Other than getting it thru an employer or thru disability, I think its pretty difficult for Crohnies to find an insurance company to cover them. If the company does cover them, it will be very expensive. I am wondering if Cobra is a option for you if you are losing the insurance from your former spouse? Hopefully one of the insurance folks will be along soon with more info. Good luck!
Gail*Nanners* Co-Moderator for Crohns Disease & Anxiety/Panic
Crohn's Disease for over 34 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium, Vit D, and Xanax prn. Resections in 2002 & 2005. Also diagnosed w/ Fibromyalgia, Osteoarthritis, & Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

Optymystic
Regular Member


Date Joined Apr 2007
Total Posts : 218
   Posted 1/28/2010 10:53 AM (GMT -7)   
Thank you Nanners. I am holding my breath at this point hoping for a miracle. I try to imagine myself living without insurance, and it is scary as H#*@. My poor husband wants to get this divorce done once and for all, and I just keep stalling. I feel terrible. My employer cannot afford to get coverage for us (just 2 employees).

I heard that I could get a business license and get under the group plan at Sam's Club, but they say that's not the case.
Anyone ever heard that one?
Age 41 female.
dx'd in April 2007 - feeling better now
4000mg Pentasa and 75mg 6-MP
Primal Defense probiotic by Garden of Life


Ides
Forum Moderator


Date Joined Nov 2003
Total Posts : 7077
   Posted 1/28/2010 5:34 PM (GMT -7)   
If you are covered by your husband's health insurance plan, you are entitled to COBRA coverage upon divorce. It can be costly, but it is better than no coverage. You can read about your rights here:
http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.HTML  and here:
http://family-law.lawyers.com/divorce/COBRA-Health-Coverage-and-Divorce-FAQs.html

Also, your divorce attorney should be able to explain your rights regarding this. Also, if your husband really wants a divorce, what about having him help pay for the cost of the COBRA coverage?


Moderator Crohn's Disease  & Osteoarthritis Forums
CD, Ankylosing Spondylitis, lupus, small fiber peripheral neuropathy, avascular necrosis, peripheral artery disease, degenerative disc disease, asthma, severe allergy and a host of other medical problems.
 


pimfram
Veteran Member


Date Joined May 2009
Total Posts : 506
   Posted 1/28/2010 6:13 PM (GMT -7)   
As Ides said, your best bet is for COBRA, as the overwhelming majority of insurance companies won't let you in due to CD. It's expensive but it's probably your best bet. Your state may have an insurance program for those in need, you might want to check into that. I know that Minnesota has MNCare, and is available for those without affordable insurance.
Diagnosed with CD July 2007
Currently on Remicade, Imuran, probiotics, folic acid, multivitamin.
Resection December 2009

Amor fati - Nietzsche


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 1/28/2010 6:38 PM (GMT -7)   
Do you have a contested divorce? The judge can order that your husband's employer continue to provide you health insurance as part of your alimony. You can come to this decision in mediation as well. You guys can debate whether he pays the premium or you do but it is all part of "spousal support." Even if you are not having him pay you support, you can still make the insurance part of the decree.
27 Year old married female lawyer.  Diagnosed w/ CD 5 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant 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 take xanax prn for situational anxiety (aka no easy bathroom access). 


GDen
Veteran Member


Date Joined May 2009
Total Posts : 703
   Posted 1/28/2010 6:43 PM (GMT -7)   
high risk pools

www.naschip.org/states_pools.htm
Cimzia, Asacol


champagnekindofgal
Regular Member


Date Joined Jan 2010
Total Posts : 221
   Posted 1/28/2010 8:33 PM (GMT -7)   
I went to this website and got excited. I live in Iowa and was hoping that Crohn's would be a medical condition but nothing is listed - do you know if there are exceptions?

My COBRA expires March 1 and I'm freaked out as I'm unemployed .. I am well enough to work now and trying to get a job with benefits FAST ...

Any ideas?
Diagnosed with Crohn's 2004 via pill camera    Imuran (6MP) kicked into remission (along with modified diet) so went off in 2006.
 
2009/2010 acute flare and hospitalization - put back on Imuran. Currently taking 55 mg prednisone.
Current problem - protruding thrombosis hemorrhoid.
 
 
 


sala
Regular Member


Date Joined May 2006
Total Posts : 29
   Posted 1/29/2010 11:07 AM (GMT -7)   
I just recently got my own insurance policy through Aetna. I had heard that they were easing up a bit on the pre-existing disease restriction and I guess they are ! They rated me up a bit because of my Crohn's, but it is still much cheaper than the high risk pool I was in and it is much better insurance - a PPO with unlimited doctor visits, etc. In the high risk pool I was only allowed 5 visits a year - which can go by pretty quickly. Good Luck !
Dx Crohn's in 1995.
 


sr5599
Veteran Member


Date Joined Aug 2007
Total Posts : 1202
   Posted 1/29/2010 12:05 PM (GMT -7)   
I have insurance through my state's high risk pool. I had it in Oregon and now in Washington. Not all states have it, but many do. Looks like a link has already been posted. I've had good coverage on both plans.
1 fistula, crohn's colitis, limited to large intestine
Compounded budesonide 3mg/daily, Cimzia, MTX . Dx Osteoporosis 10/08 started Forteo 1/27/09

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