Hi Mamacin,
I have been fairly well schooled as insurance goes. I would love to answer any questions you have. Throughout my life it has been a constant battle dealing with health insurance companies, I have learned a lot of the hoops.
A group policy for your future daughter-in-law is ideal. This is what most employers offer. No physical examination is necessary. Some policies have a pre-existing condition clause, which CF always falls under, where coverage for the condition is not offered usually for a set number of days. BUT, this is usually waved if the person has been covered under a different policy (like her parent's) the days leading up to the new insurance enrollment. It is VERY important for her to have insurance at all times, especially for prescript
ions, since the new treatments and drugs are highly expensive. Also, if there is ever a lapse in coverage the pre-existing condition clause would not be waved.
The laws do vary state to state, but I think overall this is how it works. You could talk to the state insurance commissioner's office and they would be able to have the best answers. :)
What would be ideal, (not sure how it works though since I am a single woman), is if she can get a policy at her future place of employment, and he too can get her covered on his policy as his spouse. This way she is double covered. Usually, when double covered, the second insurance (that would be your son's) would pick up co-pays and deductibles that her primary insurance has that would otherwise be an out-of-pocket expense to them. Sometimes the secondary insurance will pick up the drug co-pays as well. This would save a TON of money in the long run.
As for individual policies, or self-employed policies, this would be an entirely different question. Most states do not allow insurance companies to discriminate against people who have disabilities (but I live in one that does). BUT even if coverage was obtainable it would either have a lot of exceptions to coverage, or be so expensive even Bill Gates wouldn't be able to afford it.
Let me know if you have more questions! I'd be glad to answer them! :)
Salty & Sweet
[SIZE="1"]
Please check out my blog Salty and Sweet
Raising awareness of Cystic Fibrosis and Cystic Fibrosis Related Diabetes[/SIZE]
Post Edited (SaltyAndSweet) : 6/6/2008 1:09:47 PM (GMT-6)