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MEDICAL help needed please

MEDICAL help needed please

Old Mar 15th 2010, 10:22 pm
  #46  
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Default Re: MEDICAL help needed please

Originally Posted by Giantaxe View Post
The full time education bit is often a requirement as the Kaiser chart indicates. My Insurance does check on this by sending me letters to confirm my dependent is still a full time student. Additionally, my employer sends a nasty little email out every year to say that attempting to obtain coverage for dependents fraudulently (for example claiming they're a student when they are not) will result in disciplinary action "up to and including termination".
We were discussing this very subject a week or so ago in another thread. Englishmum said her son was approaching his 23rd birthday and would then be off her husband's healthcare insurance...even though he wanted to stay at uni another year. My daughter was at uni after her 23rd birthday....my husband's insurance still covered her whilst she was in full time education.
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Old Mar 16th 2010, 4:07 am
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Default Re: MEDICAL help needed please

Originally Posted by Jscl View Post
Small business health insurance is almost always for 2-50 employees. Are you the owner of this business, John? If so are you thinking of or can you afford to employ someone else in some role which would get you to the minimum of two people?

My guess is that you will not be able to find private (non-business) comprehensive insurance that will cover you both, given your pre-existing conditions. We tried to get some once in CA and my husband was denied because of his height/weight ratio, and he's not unusually overweight. They are very cautious of who they cover because their business is to make money, not spend it.

Even with small business coverage they quite often have pre-existing condition clauses for a number of months when you first start your plan, so you might have to wait six months before your current conditions are covered.

Such is the joy of US healthcare. Sorry I can't be more helpful.

thanks so much
thats a great reply and i will look into it
thank you !!!!!!!!!!!!!!!!
john
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Old Mar 16th 2010, 4:08 am
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Default Re: MEDICAL help needed please

Originally Posted by The Horticulturalist View Post
try sevencorners.com, can't tell you if they will cover the preexisting conditions you have, but they did cover my son with a pre-existing condition.
thank you !!!!!!
will try
john
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Old Mar 16th 2010, 4:12 am
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Default Re: MEDICAL help needed please

Originally Posted by Fawny View Post
Hi, I arrived 18 months ago with Type 1 diabetes. I landed up opening a small business with a friend & we employ 1 part timer. I'm in NC so I use Blue Cross/Blue Shield. No cover for a year on my Pre Existing, So I have just only started to use my insurance now. I have to pay the first $3,500 and then it kicks in 100%. Test strips are the biggest shocker $148 for 150.
Good luck, hope you get on OK with it all.
blue cross here in the US ?
and is that policy for you, through the company, or private?
and the 3500 excess is for hospitalisation, or any incident ?
what about doctor visits and prescriptions etc.
thanks
john
PS, test strips are cheap in the UK try ebay.co.uk
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Old Mar 16th 2010, 4:14 am
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Default Re: MEDICAL help needed please

Originally Posted by penguinsix View Post
Here's the checklist as far as I can tell from this thread.

* Tried the individual only policy, got dinged (pre-existing and/or SSN)
* Cannot get into the FL high-risk pool due to it being closed.
* Company is 1 employee so can't (might not) be able to get group policy.
* Staying too long for travel insurance.

Not eligible for Medicaid or Medicare. Florida does allow immigrant children into SCHIP but even that is closed at the moment.

My only advice at this point is:

* Contact the insurance agent that you use for car/home/property/life/company liability insurance and ask if they can help find you a health insurance policy. Someone who is in the industry might have an easier time finding a policy that will work for you.

* Join an association, like the Chamber of Commerce or the National Association of Gas Station Owners or the Video Game Developers group and see if you can get on to one of their insurance policies.

* Move. Yea, seriously. Move to another state that has an open "high risk" medical pool so you can get into that system.

* Have your spouse get a part-time job with some company that offers insurance and then she could add you as a dependent to the policy.

This guide for finding insurance in Florida isn't much help but you might take a look:

http://covertheuninsured.org/files/u...Coverage_3.pdf

You could also look at some websites that specialize in high risk insurance:

http://www.highriskhealthinsurance.org

thanks so very much
some excellent ideas - i will spend some time and try
thank you
john
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Old Mar 16th 2010, 4:18 am
  #51  
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Default Re: MEDICAL help needed please

Originally Posted by shauny2k5 View Post
Hi,

I'm a health insurance agent here in Florida, I specialize in Medicare, but have prior experience in non-Medicare health plans also.

With both of your medical conditions, you will be unlikely to get health insurance in Florida unless you can prove that you had health insurance for the last 18mon/2yrs (cannot remember which one off hand) without any lapse in coverage. If you do, they won't cover your current conditions.

There is a limited benefit plan from Blue Cross Blue Shield of Florida that you are eligible to join without discussing your past. You will get access to the discounts that insurers negotiate with providers (which are huge), and receive a per-visit/per-prescription allowance towards such things as: office visits, prescription drugs, blood work, and other minor services. I would recommend taking that plan, then plan on working as soon as you get a SSN so you can get on an employer group plan without proving eligibility.

www.goblueflorida.com (they also have offices in Tampa and other areas)

this is fantastic
thank you !!
i have a lot of calls to make and a lot of checking up to do
thanks to you all.......truly
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Old Mar 16th 2010, 6:03 am
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Default Re: MEDICAL help needed please

Originally Posted by penguinsix View Post
He gets a job and gets insurance through them. Or he goes to college and remains as a rider on your policy or gets insurance from the university. As long as you avoid a gap in coverage, his pre-existing condition should be a problem. The exact age that he gets cut off from your policy varies by state

It's rough

http://www.cnn.com/2009/HEALTH/05/21...nce/index.html
Yeah it is rough, I just checked on SC regulations, it's only up to age 22 that the students there are 'dependants' for parents insurance. I guess after that he will have to apply for the group insurance at whichever Uni' he is at. I'm guessing that he will have a tough time getting a good cover policy with his pre-existing condition?

Originally Posted by Jerseygirl View Post
Most policies cover dependent children until their 23rd birthday...ours covered our daughter until she finished full time education. It's a huge problem if they can't find a job or can't find a job with good healthcare.
lots of differences in age JG depending on what State you are in (according to the above link) I think i have mentioned on here before about my neighbors daughter, she couldn't afford insurance and had to declare bankruptcy after a bad illness and 3 weeks in hospital! She had only been off her parents coverage for a year or so.

It worries me to think that he may have some real problems in the future, he is planning (hoping) to stay in full time education for quite a long time, so hopefuly, by the time he is done, he should be attractive to a larger employment choice and be able to get good coverage through that
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Old Mar 16th 2010, 8:20 pm
  #53  
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Default Re: MEDICAL help needed please

I swapped to Walmart own brand (Relion) recently - machine was $10.00 and strips were $20 for 50. Not bad
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Old Mar 16th 2010, 8:22 pm
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Default Re: MEDICAL help needed please

Originally Posted by Cat Whisperer View Post
I swapped to Walmart own brand (Relion) recently - machine was $10.00 and strips were $20 for 50. Not bad
Target has the same thing, EasyPro.
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Old Mar 16th 2010, 8:54 pm
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Default Re: MEDICAL help needed please

My MIL just told me today, that all the drug companies do 'medication grants' and they will pay for the drug for a 12 month period...could be worth looking into? Apparently my SIL has done this every year since being diagnosed with Leukemia, some years she gets the drugs for free, other times she pays over 3300 a year.

The American Diabetes Assn' also has programs in place to help with medical supplies.
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Old Mar 16th 2010, 10:56 pm
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Default Re: MEDICAL help needed please

Originally Posted by Englishtart View Post
My MIL just told me today, that all the drug companies do 'medication grants' and they will pay for the drug for a 12 month period...could be worth looking into? Apparently my SIL has done this every year since being diagnosed with Leukemia, some years she gets the drugs for free, other times she pays over 3300 a year.

The American Diabetes Assn' also has programs in place to help with medical supplies.
It's called PAP...Patient Assistance Program.
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Old Mar 17th 2010, 12:46 am
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Default Re: MEDICAL help needed please

Originally Posted by Jerseygirl View Post
It's called PAP...Patient Assistance Program.
I had no idea about them, but then I guess I wouldn't have needed too,(yet) just thought it might be something that might be useful on here
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Old Mar 17th 2010, 11:55 am
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Default Re: MEDICAL help needed please

Looked in Wamart, found found 50 strips in a 'All in One' container $20, called
Sidekick. Now just got to get those numbers down!!!
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Old Mar 17th 2010, 6:42 pm
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Default Re: MEDICAL help needed please

Originally Posted by Englishtart View Post
I had no idea about them, but then I guess I wouldn't have needed too,(yet) just thought it might be something that might be useful on here
They are usually means tested and for very low income people. I think that's not always the case for very expensive drugs but for the general run of the mill stuff it is.
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Old Mar 17th 2010, 6:43 pm
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Default Re: MEDICAL help needed please

Originally Posted by Fawny View Post
Looked in Wamart, found found 50 strips in a 'All in One' container $20, called
Sidekick. Now just got to get those numbers down!!!
Sidekick is cool, plus there is plenty of help out there for getting things under control.
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