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CGR
Regular Member


Date Joined Nov 2009
Total Posts : 64
   Posted 4/1/2010 10:50 PM (GMT -7)   
Hey all .... and blessings for this Easter / Passover Season as it begins ... please remember that it is a Season and a Beginning, not just a day.
 
Well, I tried real hard to keep my job so that I could keep Frank insured, but these things only last so long.
 
It looks as though I'll have Blue Cross Blue Shield up to when NYU lists him in June, but then I am on my own.
 
Thanks be to God, I can probably afford COBRA, and I feel as though I have no right to worry, what with everyone else's woes here,
but this is a Forum and I must confess that Frank is my focus.
 
Can anyone offer any advice on how I can purchase insurance with this pre-existing condition?
 
I love this man beyond comprehension, and I absolutely need him in my life.
 
I am terrified that I might not be able to provide for him.
 
 

deedee48
Regular Member


Date Joined Aug 2009
Total Posts : 148
   Posted 4/2/2010 7:05 AM (GMT -7)   
CGR, In Pa if you have BC/BS and your ins. hasn't lapsed ,you can get another more affodable BC/BS on your own with a pre existing illlness. The problem is the ins. is great for healthy people but not for us. I am having problems right now with ins. I'd have to pay Cobra for ins. and the fee for me and hubby is outragous(1,600.00 +) . This is the monthly fee for 18 mo. We are stuck between a rock and a hard place. I did check out the other affordable ins. but from what I seen so far won't even pay for diagnostics and deductables are high. Check it out for your state, maybe it will be better for you. Lots of luck and please let me know how you make out with the ins.
Take care,
Dee Dee

hep93
Elite Member


Date Joined Jul 2005
Total Posts : 12014
   Posted 4/2/2010 2:56 PM (GMT -7)   

Part of the new health care plan that was just passed will make it illegal to deny anyone insurance because of a pre-existing condition.  I don't know just when that goes into effect, though.  If you can afford COBRA, that's probably your best bet.  Has he applied for SSD or SSI?  If not, he should.  He would probably get it fairly quickly (meaning less than the 2 yrs. it took me to get approved for SSD.)  Once approved, he would have Medicaid if he qualifies financially.  With SSD, he would get Medicare, but there's a 2-yr. wait from the time one first applies.  Also check with the transplant center's social worker.

May Easter bring peace and new hope to you and yours.

Hugs,

Connie


hep93
Forum moderator - Hepatitis
 
"But that was yesterday, and I was a different person then."
Lewis Carroll, Alice in Wonderland

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