Can anyone help with insurance advice?

Dani41908

New Member

Joined : Jun 2007

Posts : 12

Posted 8/17/2007 12:45 PM (GMT -7)

I am in a bad jam!!! I just found out that my insurance under my dad ends on my birthday. Well my birthday is in two weeks so Im in a scramble to find a provider. I spoke with an agent and once she found out I had Crohn's, she told me they would all deny me because of this. What am I supposed to do. Im on so many perscriptions and Im scared that Im going to have to go off of the steroids cold turkey and get really sick because I have no insurance to go to the doctor!!! Any help would be appreciated.

rhdeckar

Regular Member

Joined : Jan 2006

Posts : 47

Posted 8/17/2007 12:48 PM (GMT -7)

Find out how much it would cost to keep your dad's insurance as your coverage under Cobra.

Rhonda

Started having issues in '92; lived with it until October '05 when I had a constant low grade fever for 3 months. CT scan showed Ulcerative Colitis. Capsule Endoscopy, Colonoscopy and upper GI November '05 gave diagnosis of Crohn's and GERD. I have ulcers from my mouth to my bottom and have had fissures/fistulas. Tried Prednisone, Azasan, Asacol and others with no improvement. Started Remicade infusions February 2006. Doing better but still don't feel 100%.

ginger71

Veteran Member

Joined : Nov 2005

Posts : 722

Posted 8/17/2007 12:52 PM (GMT -7)

How old are you? Are you going to be a full time student? Can you go on COBRA until you can get your own insurance? COBRA is expensive but if you are losing your insurance, your dad can call his carrier and request a COBRA contract. It's usually very expensive-maybe $400-$600 per month but it would help you avoid the pre exisitng condition problem when you do get insurance.

I work for a union and we administer insurance for NYS employees and we give insurance to children under 25 who cannot go to school because of medical problems if the parent has supporting documentation from a Dr. Your dad can also check on this with his carrier.

Good luck.

36 year old female. Dx'd and undx'd a few times. Was just redx'd again 04/2007.

History of rectal abscesses and fistulas (28 surgeries including abscess I & D, exploratory surgeries, 2 C-ton drains and 1 fistula plug) Count does not include self bursting abscesses.

1st Remicade infusion 6/5/07. Lots of joint pain, and a new fistula since the 2nd infusion 6/19.

Praying I'll get better soon so we can have a baby.

Ginger :)

dragonfly137927

Veteran Member

Joined : Sep 2006

Posts : 2527

Posted 8/17/2007 1:08 PM (GMT -7)

I though President Clinton ridded all US healthcare insurance companies of the pre existing clause making it illegal. I amy be wrong though.

Dx with Crohn's 1987, symptoms as early as 1984.

Temp iliostomy February 2007, reversed June 2007, Ovarian cysts, migraines, allergies (incl food allergies) , oral allergy syndrome (diff than true food allergies), Asthma, Gall Bladder removed 1999, Inguenal hernia 1987

Dani41908

New Member

Joined : Jun 2007

Posts : 12

Posted 8/17/2007 1:13 PM (GMT -7)

I am about to turn 23 and am a full time student. But my father is military and they told me that they dont care what the insurance companies say they remove me on my birthday. I cant believe that insurance companies can do this to people.

ginger71

Veteran Member

Joined : Nov 2005

Posts : 722

Posted 8/17/2007 1:21 PM (GMT -7)

Oh, I don't know about the military.......They just cut people off at 23? Even if you are a student or his dependent? Are you a dependent on his taxes? How are you supposed to get insurance if you are in school? That is harsh. I'm sorry.

Can you call them to see how much COBRA would be? Do you have low income plans in your state? NY has some plan for people who have a low income. The coverage is horrendous but it is something and cheaper than COBRA usually. Maybe check on your state's website?

I hope you can get something!

36 year old female. Dx'd and undx'd a few times. Was just redx'd again 04/2007.

History of rectal abscesses and fistulas (28 surgeries including abscess I & D, exploratory surgeries, 2 C-ton drains and 1 fistula plug) Count does not include self bursting abscesses.

1st Remicade infusion 6/5/07. Lots of joint pain, and a new fistula since the 2nd infusion 6/19.

Praying I'll get better soon so we can have a baby.

Ginger :)

songstress

Regular Member

Joined : Jul 2005

Posts : 393

Posted 8/17/2007 1:29 PM (GMT -7)

ok...my suggestion...go to www.mib.com and order your report...see if anything shows up...it comes relatively fast in the mail

ALL INSURANCE COMPANIES use the mib. Its like the credit bureau for insur companies. (Im an insur agent so I know) anyways...Iwas diagnosed in 05 and checked my mib this year and NOTHING WAS onit!!

So I got medical insur and didnt disclose the crohns..guess what I GOT A POLICY ISSUED IN LESS than 3 days! trust me this works

Anyone can give up, it's the easiest thing in the world to do. But to hold it together when everyone else would understand if you fell apart, that's true strength

Diagnosed with severe Crohn's colitis in May 2005. I deal with daily arthritis ALL over my body, cystic acne, & fibromyaglia. Have taken Imuran, Remicade, TPN, Colozal, Entocort, Flagyl, PamineForte, Cipro, Dicyclomine, Prednisone, Asacol, Prevacid, and the list goes on. Taking low amounts of Pred now & 3600mg of Asacol currently...Can't wait till I can get back on Remicade, my miracle drug!

Stef17

Veteran Member

Joined : Feb 2003

Posts : 1811

Posted 8/17/2007 1:54 PM (GMT -7)

Have you considered medicaid? You could use it temporarily to get you through until you graduate and get a job with benefits. That's what I did when I was in college. I was 23 and on my own and medicaid was a life saver. I didn't feel bad either because that's what it's there for. I had worked plenty before hand and paid into the "system" and I worked plenty afterwards too. I don't know what the requirements are and I don't know if you need to be independent, but I think the rules say that you can't have your dad claim you as a dependent on his taxes because then they will take his income into consideration. Check it out. It might be a viable option for you.

Dani41908

New Member

Joined : Jun 2007

Posts : 12

Posted 8/17/2007 2:00 PM (GMT -7)

thanks everyone for all of the suggestions! Im going to look in to all of it.

petittarte

Veteran Member

Joined : Apr 2006

Posts : 692

Posted 8/17/2007 3:33 PM (GMT -7)

Can you get insurance through your school?

Jodi

Remicade and 6MP

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