Medical Insurance and Crohn's

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CatsinVegas
New Member


Date Joined May 2006
Total Posts : 11
   Posted 11/13/2007 2:12 AM (GMT -7)   
The scenario: I was employed with good health insurance when I was diagnosed with Crohns, but unfortunately too many flareups and hospitalizations caused my employer to let me go.  Since then I"ve been on Cobra insurance at almost $700 a month but this has now run out too.
 
I find myself with this disease and no medical insurance to help me take care of it.  I'm on so many medications and I'm not sure I can afford to pay cash for all of them, I'll know that after this friday.
 
My question to everyone:  Does anyone know of an insurance company that will accept someone with the pre-existing condition of Crohn's and not make me wait a year for treatment like a couple of places do (Health Plan of Nevada and Sierra Health).  Like the name says I'm located in Vegas.   Have applied to Blue Cross/Blue Shield/Anthem, they turned me down flat.
 
Anyone out there that can help suggest someone?   I'd really appreciate it.  The thought of no medication or treatment for a  year while I wait on a pre-existing clause keeps me up nights.
 
Thanks for any suggestions
 
Cat

feagain
New Member


Date Joined Nov 2007
Total Posts : 5
   Posted 11/13/2007 4:04 AM (GMT -7)   

Hi Cat....

Are you able to work? will you be going back to work? boy... i work in the insurance field of doctors' offices and know that pretty much THE only way these days to by-pass the pre-existing thing is to get your insurance thru an employer. And i feel for you... i just quit my job to move across country and i have the high cost of Cobra too until i find another job... can truly say i COULD NOT afford the meds i take without my insurance! the Remicade infusions alone run over $4000.00 every 2 mths. Can you apply for and get disability if you're too sick to work? i send good wishes for you to find an answer .... especially if the meds are helping!!

            debbie


JudyK89
Veteran Member


Date Joined Dec 2006
Total Posts : 1986
   Posted 11/13/2007 7:44 AM (GMT -7)   
It will probably be expensive, but if you haven't stopped the COBRA yet, I believe they have to offer you a comparable policy. That's the way it used to be, and how I got a policy years ago. Even if the COBRA ran out, you can go back to them and tell they they were supposed to offer you a policy I believe. You may have to pay the monthly cost for the entire time from the COBRA lapse up to now though.
 
If they never offered you a comparable policy, call the insurance commissioner of your state, see what their office has to say about it, maybe write a letter and cc it to your COBRA.


Judy
Crohn's Disease   
Too many surgeries, ileostomy6MP for maintenance.
 
 


mcleaver1969
Regular Member


Date Joined Jun 2006
Total Posts : 267
   Posted 11/13/2007 9:56 AM (GMT -7)   
sad  
Cats, that really sucks for you...I'm sorry about your health insurance woes. Is there any way that you can try and get Medicaid? You said that you were laid off because of your CD, which is really crappy, CD is a verifiable disease and disability, you should be protected under the Americans with Disabilities Act. Anyway, you should try and get disability and Medicaid for your CD. Just a thought.
Marci, 38 years old, Rockledge, FL
Dx with Crohn's disease March 2006, currently on bi-weekly Humira, daily 6mg Entocort, daily 2-3x 5mg hydrocodone (for pain), and daily 75mg Effexor, plus 3x per day heavy iron supplements for anemia


jdiane
Veteran Member


Date Joined Jan 2003
Total Posts : 1131
   Posted 11/13/2007 10:29 AM (GMT -7)   
I'd call the CCFA Information Resource Center and see if they can direct you to some assistance. 1.888.MY.GUT.PAIN. Or you can do a live chat form their website, www.ccfa.org.
 
 


nazeha
Regular Member


Date Joined Aug 2007
Total Posts : 41
   Posted 11/13/2007 12:12 PM (GMT -7)   
I know exactly what you're going through. I was diagnosed with CD right when I turned 19...conviniently the same time I was dropped from my parent's insurance...because of my age. Now, no insuance company will help me. It sucks! The only way to get insurance is through an employer, just like someone already mentioned. I've been paying all my doctor's bills out of pocket. It sucks. One doctor told me that there are some sort of scholorships that are provided by a lot of major medication companies that will pay for all the costs. What kind of medication are you taking? I suggest you talk to your doctor to see if he knows of any kind of scholorships. If not, I'll hook you up with some numbers.
 
Good luck!
 
M
Maya
Diagnosed with CD in Jan 07 after going to different doctors for fissures or what I thought were hemmeroids. After getting a colonoscopy they found out I had Crohns. I had no idea what the hell CD was, but once I read up on it, realized I've had mild symptoms since age 12. I'm now 19.
I have mild to moderate CD, and don't have many symptoms other than my 3 fissures, stomach pain after eating, diarreah, bloating, cramping, gastritis on occasion, and then other random health issues that are caused from CD like gingivitis for example.
Just got off of Entocort (too many side effects) and Cipro. I'm now trying the Maker's Diet as well as a bunch of vitamins and probiotics. Let's hope this helps a bit!
This site is great for support.
<3
 


wanderlust
New Member


Date Joined Oct 2007
Total Posts : 10
   Posted 11/13/2007 8:56 PM (GMT -7)   
I dont know about Nevada, In California after you receive 3 rejections from insurance companies, you are then pooled and what ever insurance company draws you must insure you reguardless of prior Illness. Prior to this law, and other changes in California Insurance law, They kept raising my rates until I paid $1800.00 per month for over three years, and still ended up being canceled. I have had CD for over 50 years, and with my track record no one wanted me. Thanks for the Insurance law's in california. You may try moving to California and start getting rejected. Good Luck

Brian84
Regular Member


Date Joined Mar 2005
Total Posts : 452
   Posted 11/13/2007 9:01 PM (GMT -7)   
Hey im not too sure about getting insurance on your own.
But if you are able to work I would highly suggest getting a job at Starbucks. You only have to work 20 hours a week or 3 days and you get excellent insurance. They always paid for my remicade no problems.

stkitt
Forum Moderator


Date Joined Apr 2007
Total Posts : 32602
   Posted 11/13/2007 10:21 PM (GMT -7)   

Brian,

You are brillant, as I read your post it dawned on me that I knew that about Starbucks too.  Not many places have a plan that good for part-time employees.

Cat,

I agree with the Disablility filing is you have been let go due to not being able to work you should look into this option.

Lots of ideas for you. Keep posting as I will be following to see what you find out.  Prays of success being sent your way.

Kitt


 
Moderator Anxiety ~ Panic Disorders
*~* Not a mental health professional at all *~*
Dx: Anxiety/Panic, Depression, GERD, Osteoarthritis
*Wife of a Crohnie*
******www.healingwell.com/donate***
It is health that is real wealth and not pieces of gold and silver.~Mahatma Gandhi~
 


jamieo
Regular Member


Date Joined Oct 2004
Total Posts : 74
   Posted 11/15/2007 8:35 AM (GMT -7)   
Good Luck!!

Mira
New Member


Date Joined Dec 2007
Total Posts : 4
   Posted 12/14/2007 12:30 AM (GMT -7)   
I just want to help some people in the United States who have to pay for there own Humira. I was on the website from drugstore.com and it's terreble: almost 1500 $$$. I couldnt imagine that. Here in Holland I pay for the same 2 pen's 300 euros. So I want to see if I could help some people in the USA. Because I know how much it can mean to life without the pain every day again. And Humira gets the pain to go away.
You can email me if you want hu_mira@yahoo.com

crony379
New Member


Date Joined Feb 2003
Total Posts : 1
   Posted 8/8/2008 1:23 PM (GMT -7)   
i also lost my cobra last april, went to blue cross office and the lady working there stirred me away.i had heard that the blues couldn't turn me away or ask about my previous medical history. well guess what? i call them and didn't mention my previous visit. i now have in hospital insurance only at 170.00 a month. covers my room and drs. really didn't think i would need it. sure enough i landed in the hopital for almost 2 weeks. infected bottom, need i say more? their is a 2500.00 deductable yearly but my hospital charges are going up, their about 27000.00 at this time. i'm going to have to work out a payment plan with the hospital. i will be eligable for medicare in a year so am praying all the meds keep out of hospital til then.plus i'm ordering my meds on line. only way i can begin to afford them. i wish you well. yeah life is good right now. making lemonade .

pradeepselan
New Member


Date Joined Aug 2008
Total Posts : 1
   Posted 8/24/2008 9:34 AM (GMT -7)   
Hi,

Medical Insurance and Crohn's is now days it is becoming a great issue and also it is very good and reasonable. It is giving a Insurance. So the people can live easily.

========================================

Rockeyraj.

A Place for Drug Curing and Treatment.

Nevada Drug Addiction

Texan with Crohn's
Regular Member


Date Joined Dec 2007
Total Posts : 362
   Posted 8/25/2008 6:09 AM (GMT -7)   
I am paying over 600 for COBRA now. I like the notion about Starbucks... called one yesterday. If they offer good insurance for over 20 hours a week, I think I am going to apply... need another job, though, as they only pay 8.00 an hour or something like that. Still having a DIFFICULT time finding work with crohn's. It is unbelievable to me the hoops contract work makes one jump through as far as medical exams and drug screening. Which I don't have issue with drug screening... but that last job where I was turned down due to crohn's and being prescribed pain medication kind of left a sour taste in my mouth. My family told me under no circumstances, even on screens, list crohn's... think I will listen to that the next time. shakehead

I wish there was a crohn's employment board... or that crohn's was more protected as far as disabilities.
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