Insurance question

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fruitgirl
Veteran Member


Date Joined Feb 2009
Total Posts : 7150
   Posted 2/23/2009 12:50 PM (GMT -6)   
I'm currently applying for two jobs (DH and I want to move back closer to family now that we have a baby).  Both are university professor positions, so the insurance should be quite good, as all universities I'm familiar with offer great coverage to employees.
 
However, do I need to worry at all about being denied coverage?  There won't be any lapse in coverage between my current job and my (hopeful!) new job. 
Symptoms began in November 2008, ~4 weeks after giving birth to my son.
Eased for ~3 weeks in December, possibly b/c of probiotic use?
Returned in January 2009 (with a vengeance), diagnosed with pancolitis on January 30.
Currently taking Asacol (400mg 4 pills 3x daily), Rowasa nightly, Culturelle probiotic, and Zoloft (25 mg).


Mamas Boys
Veteran Member


Date Joined Oct 2005
Total Posts : 1460
   Posted 2/23/2009 1:03 PM (GMT -6)   
I'm pretty sure that if you currently have insurance - they cannot deny you coverage based on a pre-existing condition.  If you are increasing your coverage when switching plans - they might keep you at your current level of coverage for the first few months and then your new level of coverage will kick in.
Mamas Boys
Colazal, Azathioprine, Remicade
Culturelle, MultiVitamin, Folic Acid, Viactiv
Status: Remission!!


Mommy pooh
Regular Member


Date Joined Apr 2008
Total Posts : 131
   Posted 2/23/2009 3:29 PM (GMT -6)   
When going from one group plan to another, as long as you were never "not covered" in between, they cannot deny you coverage. Your rates and deductibles will be different, most likely higher, as state plans are cutting the budget. My husband works for a small company and they change insurance providers every year because it seems like one company will give us a great price to get our business, then at the end of the first year, they double the rates. Yes, I said DOUBLE! So every year they shop for a new provider. We have paid as much as $600 a month for our family of three to be on insurance. Since my monthly medications would cost more than that without insurance, we find a way to pay it. It's taken out of his pay check and we never see it. Also, check to see if your insurance premiums are taken out before or after taxes. If they are taken out before your income is taxed, you cannot put that cost in "medical bills" for your taxes. If your premium is taken out after taxes have been applied to your check, you can add your insurance premium to your "medical bills" total on your taxes. Of course medical bills only count if you itemize on your taxes, and it has to be above a certain percentage of your income.
  • 26 years old, married, Stay-at-home Mommy to 2 year old daughter 
  • Ulcerative Colitis since Sept. 2004
    • 1st flare Sept-Nov 2004
    • 2nd flare Aug. 2007-July 08 
  • Currently taking:75mg 6MP, 4 Lialda, Loestrin 24, Allergy meds., Maxalt for migraines and allergy shots once a month 
  • 10/6/08 Found a 1cm kidney stone in right kidney.  Had the stone blasted and passed the fragments.

 


suebear
Veteran Member


Date Joined Feb 2006
Total Posts : 5698
   Posted 2/23/2009 4:19 PM (GMT -6)   
No. Universities offer group insurance, you will not be denied and you won't even be questioned about your health history. The other beautiful thing about university insurances is that typically you have 4-5 plans to choose from. Everything from an HMO to a PPO. You can switch carriers once per year too, so lets say that you sign on for the HMO and decide you want more flexibility, next year when the campus has open enrollment you can switch. Again, no health information about you is shared with any of the insurance carriers.

Sue
dx proctitis in 1987
dx UC in 1991, was stable until 1998

1998 started prednisone, asacol, pentasa, nortriptylene, ativan, 6MP, rowasa enemas and suppositories, hydrocortisone enemas, tried the SCD diet, being a vegetarian, omega 3s, flax, pranic healing, yoga, acupuncture, probiotics

2000 lost all my B-12 stores and became anemic

2001 opted for j-pouch surgery- now living life med-free


fruitgirl
Veteran Member


Date Joined Feb 2009
Total Posts : 7150
   Posted 2/23/2009 4:36 PM (GMT -6)   
Thanks, everyone. My husband currently works for a university and his insurance is fantastic. We were considering switching me to his insurance this year because the coverage is better, but decided there wasn't any reason since I was healthy. Then I got the UC diagnosis in January...DOH! If I don't get one of these two jobs, I'll definitely switch to his when I can.
Symptoms began in November 2008, ~4 weeks after giving birth to my son.
Eased for ~3 weeks in December, possibly b/c of probiotic use?
Returned in January 2009 (with a vengeance), diagnosed with pancolitis on January 30.
Currently taking Asacol (400mg 4 pills 3x daily), Rowasa nightly, Culturelle probiotic, and Zoloft (25 mg).


UCinGV
Regular Member


Date Joined Mar 2007
Total Posts : 403
   Posted 2/23/2009 4:41 PM (GMT -6)   
If you don't have gaps in coverage, your new insurance company must cover your pre-existing conditions as per HIPAA:

http://en.wikipedia.org/wiki/HIPAA#Title_I:_Health_Care_Access.2C_Portability.2C_and_Renewability
12 Asacol
100 mg Imuran

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