Posted 11/3/2008 8:31 AM (GMT -6)
There are no good insurance companies if you are already sick. They won't take you or will exclude your pre-existing conditions. If you are older then medicare will take you without question and you can sign up for medigap and the drug plan to supplement it. Coverage is good.
The only other insurance option I know for someone under 65 who is chronically ill are the state insurance pools. They are expensive and in my state, Illinois, not that good because they have high deductibles. Almost a cruel joke. They are not a viable option for most people and are exhorbitantly expensive for families.
Your situation is at the heart of our healthcare dilema. I lost my job 5 years ago when the company declared bankruptcy but had cobra for 18 months. As it was running out I applied to 5 different companies and 4 of them turned me down. That was BEFORE I got sick but I was about 60 so they figured the odds were that I would get sick soon. One company, AARP/Unitedhealthcare, did take me and it was a good thing as I got sick about a year and half later. The premiums seemed expensive at the time but after my medical bills it was the bargain of the century.
If you cannot get insurance and need meds you might have to try the programs some of the drug companies or your state offer.
Good luck and hope you can find an answer.
Mixed connective tissue disease (systemic lupus, scleroderma, polymyositis), Raynauds phenomena, Hypertension, Barrett's esophagus.
Meds: prednisone 5mg, 50mg imuran, Lotrel 40/5mg, maxide 37.5/25mg, folic acid, potassium, aciphex 20mg, multi vitamins.
Maintain your optimism and you can beat the odds.
"Although the world is full of suffering, it is also full of the overcoming of it." Helen Keller