Insurance Questions

I currently live in Illinois and have just been dropped from my mothers insurance. I was denied coverage from Blue Cross Blue Shield due to my Crohn's. I may get insurance through something called ICHIP, if anybody knows anything about this...pros, cons. I would appreciate any information. Also if anybody knows of any private insurance companies, hmos, ppos, aetna, humana or any others that doesn't refuse coverage to Crohns patients I would appreciate that information too. I'm going to be getting married soon, Aug 17th. I leave on the 8th and will be gone for a month. For my peace of mind I really need insurance as soon as possible. I'm freaking out can someone help.

Yes, the best bet would be your spouse's group insurance but your soon to be spouse must go to hr and get you signed up as soon as you are married.

You wouldn't be doing Cobra on your fiances, just your moms. That is where you pay the amount the employer was paying on your behalf in order to maintain your group coverage.

You are eligible, the day you are married, to be on your fiance's insurance. No cobra necessary there. However, to protect yourself from having a pre-existing condition you can not lapse your insurance. You have about 60 days depending on the state when you come off of your mom's to elect cobra. During those 60 days you are not considered lapsed. When you do elect it you will have to back pay to be covered for the 60 days and it is good for 18 months.