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marrying someone with cf and insurance issues

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Posted 5/28/2008 11:37 PM (GMT -6)
I hope I am not asking a duplicate question.  I have browsed this forum and could not find anything on this subject but then again I'm not very savvy in forums.  My son (21 years old) has been dating a girl who has cf.  He plans to marry her after they finish college in a year and he finds a job but I was told by a friend that his insurance will not cover her because of her cf and they will not be able to get married.  She is currently covered under her parents insurance because she is in school.  Anyone out there already experienced this situation?  Since he does not have a job yet we don't know what his insurance will be like.  Thanks for any information you have to share.

mamacin

Posted 5/29/2008 3:26 AM (GMT -6)
Hi there mamacin,

I don't have any knowledge of this subject unfortuantely.

In the UK, it is really hard and expensive too get insurance that covers CF treatment and such.
However, my Dad lives in the US and did manage too get full cover for me and my brother when we went too visit him.
I will try and find out more about it, and get back too you.

I don't know about the marriage thing. I have CF, but live in the UK. I had no problems getting married at all.
Posted 5/29/2008 5:23 AM (GMT -6)
Speaking to others, I have been told, the best plan would be too see what your sons insurance covers. A lot of insurance policies won't cover potentially deadly medical conditions or will have higher premiums.

Hope this is of use too you
Gem
Posted 5/29/2008 9:36 AM (GMT -6)

Thanks for your help.  I guess he will haveto wait and see when he gets a job what type of insurance he has and what it will cover.  Best of health to you.

Mamacin

Posted 6/6/2008 1:03 PM (GMT -6)
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 prescriptions, 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
Posted 6/6/2008 9:55 PM (GMT -6)

Thanks so much for your reply.  That was very helpful.  I guess I was concerned because I was told by someone that he would not be able to cover her because it was a pre-existing condition and she would haveto get on medicaid?  therefore they would not be able to get married.  They are both in college now so they don't know what jobs they will have yet.  I did not think about the insurance commission.  That is a great place to start.  Thanks so much for your reply.  I feel alot better now.  Best of health to you.

Mamacin

Posted 7/29/2008 4:34 AM (GMT -6)
i have planed 2 bring my daughter to disney world in september and i couldnt believe it when the insurance company rang me back and said they wouldnt cover her. for god sake its only 4 two weeks, i just got the feeling that this wont b the last time i'll have to deal with them .
Posted 7/29/2008 8:43 AM (GMT -6)
Saltynsweet:

My dx is not really on this forum but I've read your post and I believe your have a knowledge when it comes to insurances.

We build a new house here in Calgary, Alberta few months ago. Home insurance by then on the first month is under process. After a month, I was dx to have colon cancer stage 1, I require surgery but won't be for chemo or radiation. I updated my insurance application of course to avoid falcification of statements, I am just being honest. Result : I wasn't approved.

The insurance is saying, they can't because of my health condition. And advice that there is also

some insurances out there that I could apply for. But I know chances are slim or there might be nothing too.

Prior to this I applied for personal insurance, I just had a colonoscopy scheduled, no dx yet. I reported I am healthy and I've seen a doctor and I am scheduled for colonoscopy.The insurance inform me they'll wait for the result. At first I am dx FAP (familial adenomatous polyposis). In short

I wasn't approved.

Any advise or do you know an insurance that could approve me ?

Posted 7/30/2008 8:29 PM (GMT -6)
if he loves her, then way does it matter about the insurance? They will figure something out. It is not that bad.
Posted 7/31/2008 12:48 AM (GMT -6)
Hazer -There are CF Trust approved insurance companies, I'll go hunt them down. They will be a hell of a lot more expensive though. It was for me and my brother when we went over to America. We live in not-so-sunny England. :-)

Oh, the don't have a list like they used to, here is an explanation:-

Cystic Fibrosis Trust said...

The Cystic Fibrosis Trust is unable to recommend any insurance companies for travel outside of Europe. There are several companies which offer insurance to those with pre-existing medical conditions such as Cystic Fibrosis. However the criteria change regularly and can differ significantly between companies. In addition, some companies which claim to cover pre-existing conditions may decline to insure you if you have recently received hospital treatment. You may therefore have to approach several different companies and shop around before you find a suitable policy.

 

If you plan on travelling too somewhere in Europe, let me know, as they have different information regarding travel inside Europe.

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