I'm glad you brought this subject up. I think it is an area we should discuss at greater length in this forum. Before I got sick, I was a partner in a CPA firm. I made a good living and had the bills to go with it (i.e. mortgage, real estate taxes, etc.). Fortunately for me, I had some good private disability insurance and I am covered under my wife's health insurance. Financially, I was about as prepared for my medical odyssey as one could be, yet, I still have a hard time managing. Edgepark is my supplier, like Amey's, and I too find them to be expensive.
But, this is not an insurmountable problem. As usual, Amey has offered some excellent suggestions. Also, it seems like you would be entitled to COBRA benefits. Even though terminated you are entitled to extend your benefits. Unfortunately, you would have to pick up the premiums but, facing surgery and recovery, I'm sure this would be less expensive than going without insurance. I googled COBRA benefits and found that WEB-MD had an excellent FAQ site concerning these issues. I might also add that the social worker at the hospital was remarkably well-informed regarding these matters. Maybe you can speak to one at the hospital where you are planning your surgery?
I don't want to pry into your financial situation but if you have further questions I would be happy to see if we could find some answers.
Hi Praying, Peggy113 & All:
My insurance guy told me that you cannot be denied insurance coverage for existing condition, EXCEPT, if you let coverage lapse for 63 days, then they can deny coverage for a preexisting condition (occurring during the preceeding 12 months) for the first 12 months of your new coverage. It seems the idea is not to let the coverage lapse. COBRA can extend the coverage for 18 months after job termination. But you have to pay the premiums yourself.
I tried looking up information on the Family Medical Leave Act. The Dept. of Labor has a site at www.dol.gov/esa/whd/fmla/ that has a good FAQ section that could answer a lot of questions. This is a Federal law so I think it would apply throughout the USA.
There are many sites regarding Soc. Sec. Disability. I think it is very tough to succeed on an initial claim but many people are successful on refiling.
Dancerpeg's situation illustrates one of the many things wrong with the healthcare system in our country! I really hope things work out for you.
Thanks for the insurance info --- years ago when I moved to another state, I gave up my employment & insurance of 9 1/2 years. For about a year prior to moving, whenever I had a doctor's appt, I asked them to bill it as a wellness checkup. (I had some really understanding doctors!) And yes, I did have to pay out of pocket for some of them, but I slipped by. Sneaky but it worked. I had to pay for COBRA coverage for a couple of months before I got another full time job, make it thru my first year of new employment/insurance... all worked out!
Thanks for all the great info. I was just wondering what the new guidelines were for pre-existing now even tho I'm on my husband's insurance now since I am only working part time.