Losing insurance

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Regular Member

Date Joined Dec 2004
Total Posts : 104
   Posted 10/31/2007 4:54 PM (GMT -6)   
Help My husbands company just closed their doors & called it quits with out warning that will leave us with no insurance I have had crohns for 4 years now what is a good alternative insurance. I take several pills but the main one will cost 145.00 with out insurance. I need Help

Veteran Member

Date Joined Mar 2007
Total Posts : 4527
   Posted 10/31/2007 5:13 PM (GMT -6)   
Hi Wrm Gee I am sorry this is happening to you and I am sure others who have experience will be along to help you.lol gail

Forum Moderator

Date Joined Nov 2003
Total Posts : 7055
   Posted 10/31/2007 5:52 PM (GMT -6)   
What ever insurance company carried the plan at your husband's job should offer those currently covered the option to go on a COBRA plan. Unfortunately, sometimes COBRA plans can be very expensive.

First, call the office that handled the insurance for the employees to make sure that coverage is not going to be extended for a certain period of time. If that is not an option, then call the insurance company direct and ask about a continuation of coverage policy. While you have them on the phone make sure you ask for a certificate of coverage for every person in your house that was covered under the plan. This certificate will insure that you cannot be denied by another company in regards to pre-existing conditions.

Check you particular state for insurance offered to those without coverage. Each state has differing amounts of coverage and qualifying factors.

We have some insurance gurus here that surely will have better ideas than mine. I just want to make sure that you ask for that certificate of coverage because it will prevent problems down the line.
Moderator Crohn's Disease Forum
CD, Ankylosing Spondylitis, small fiber peripheral neuropathy, avascular necrosis, diffuse connective tissue disease, Sjogren's Syndrome ?

Regular Member

Date Joined Dec 2006
Total Posts : 371
   Posted 10/31/2007 6:10 PM (GMT -6)   
you can only get Cobra if the business is open. Been there, done that. See if you qualify for medicare
Female Dx'ed with Crohns Disease in 1992
Been on every med for crohns that exists
Several Fistula surgeries
Dx'ed with Colon Rectal Cancer March 2007
Dx'ed with Stage 2 Vulvar VIN
On Chemo and Radiation for 6 weeks

Veteran Member

Date Joined Dec 2006
Total Posts : 559
   Posted 11/5/2007 6:46 PM (GMT -6)   
Which medications do you take? Some are pretty cheap in Mexico or Canada, but that's not guaranteed. There are plenty of people who make cross-border trips for medication shopping (I just did that today - Mexico in my case). I am also without insurance.
Crohn's since 1988
3 resections

Veteran Member

Date Joined Dec 2006
Total Posts : 1986
   Posted 11/5/2007 6:51 PM (GMT -6)   
You may want to ask a broker or someone in insurance, but if you can't get Cobra because the business is going out of business, the insurance company MAY have to offer you a comparable insurance. I know when I had Cobra and it ran out, the company had to offer me a comparable plan. Maybe check with the Insurance Commissioner of your state for the laws that may protect you in this situation.
49 years old, Crohn's Disease   
Six resection surgeries, permanent ostomy, adverse reactions to Remicadeback on 6MP for maintenance, hoping for a long remission from this last surgery. 

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