My insurance company is obviously going under. Last year it took them over 10 months to pay my hospital bills. This year they haven't paid anything. They were dropped by their underwriter and now they are just a "sharing" arrangement. It says that they will pay if they have the money, but they inform all medical requests for prequalification that they are not a "billable insurance company", so I am told I have to pay up front before I receive any treatment.
I've searched everywhere for another carrier. Declined. I even asked them to exclude the Crohn's, give me a $10,000 deductible, still, no way. I'm just afraid of getting in an accident and needing multiple surgeries, etc. We aren't poor so getting assistance is out of the question. We make a comfortable living, but can't afford $25,000 - $30,000 a year for the state insurance. (my husband has been self employed for 30 yrs.) I'll be 50 on Sat. and Medicare is quite a ways off for me (my husband just now got on it, so he's the only one with insurance in our family).
I've talked with our CPA, numerous insurance people and no one has any advise. I've even talked with my GI about it and he said that "sucks" he only pays $18,000 a year for his malpractice insurance.
Any ideas would GREATLY be appreciated.