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California Insurance Help

L

Lance2020x

New member
So I'm moving to California in the next month or so (as of current plans) which means I will have to drop my Tennessee insurance (sadly knowing the wonderful [sarcasm bounding off the walls] TennCare, I'll probably never be able to get it back if I drop it) and get California insurance. <br><br>
My DOCTORS told me that California has basically flowing insurance for CF patients (thanks Arnald), but I honestly don't know ANYTHING about Cali insurance.<br>
Anything anyone knows about Cali insurance would be of great help to me. I just did some research and can't seem to find anything useful on the net (plus I'm really tired) so I'm going to make a bunch of phonecalls tomorrow to learn what I can. But I certainly know that what the state insurance SAYS, is often different from what they DO. So please, anything you can tell me would help....
 
L

Lance2020x

New member
So I'm moving to California in the next month or so (as of current plans) which means I will have to drop my Tennessee insurance (sadly knowing the wonderful [sarcasm bounding off the walls] TennCare, I'll probably never be able to get it back if I drop it) and get California insurance. <br><br>
My DOCTORS told me that California has basically flowing insurance for CF patients (thanks Arnald), but I honestly don't know ANYTHING about Cali insurance.<br>
Anything anyone knows about Cali insurance would be of great help to me. I just did some research and can't seem to find anything useful on the net (plus I'm really tired) so I'm going to make a bunch of phonecalls tomorrow to learn what I can. But I certainly know that what the state insurance SAYS, is often different from what they DO. So please, anything you can tell me would help....
 
L

Lance2020x

New member
So I'm moving to California in the next month or so (as of current plans) which means I will have to drop my Tennessee insurance (sadly knowing the wonderful [sarcasm bounding off the walls] TennCare, I'll probably never be able to get it back if I drop it) and get California insurance. <br><br>
My DOCTORS told me that California has basically flowing insurance for CF patients (thanks Arnald), but I honestly don't know ANYTHING about Cali insurance.<br>
Anything anyone knows about Cali insurance would be of great help to me. I just did some research and can't seem to find anything useful on the net (plus I'm really tired) so I'm going to make a bunch of phonecalls tomorrow to learn what I can. But I certainly know that what the state insurance SAYS, is often different from what they DO. So please, anything you can tell me would help....
 
N

NoExcuses

New member
Your doc told you wrong. No flowing insurance for CF patients.

If you have a pre-existing condition, and you're looking for an individual plan, you're SOL.

Of course, if you work, your group insurance will have to cover you.

If you are poor enough, you will qualify for Medi-cal (state version of Medi-caid) where of course everything is paid for just like in every other state.

You can get GHPP, Genetically Handicapped People's Program, but depending up on how much you make, it can be insanely expensive. I have an individual insurance plan myself and GHPP was no where near worth it (but I work full time).

Other than GHPP, there are no flowing insurance plans. You should inform your doc of this so that he doesn't give any more patients false hopes.
 
N

NoExcuses

New member
Your doc told you wrong. No flowing insurance for CF patients.

If you have a pre-existing condition, and you're looking for an individual plan, you're SOL.

Of course, if you work, your group insurance will have to cover you.

If you are poor enough, you will qualify for Medi-cal (state version of Medi-caid) where of course everything is paid for just like in every other state.

You can get GHPP, Genetically Handicapped People's Program, but depending up on how much you make, it can be insanely expensive. I have an individual insurance plan myself and GHPP was no where near worth it (but I work full time).

Other than GHPP, there are no flowing insurance plans. You should inform your doc of this so that he doesn't give any more patients false hopes.
 
N

NoExcuses

New member
Your doc told you wrong. No flowing insurance for CF patients.

If you have a pre-existing condition, and you're looking for an individual plan, you're SOL.

Of course, if you work, your group insurance will have to cover you.

If you are poor enough, you will qualify for Medi-cal (state version of Medi-caid) where of course everything is paid for just like in every other state.

You can get GHPP, Genetically Handicapped People's Program, but depending up on how much you make, it can be insanely expensive. I have an individual insurance plan myself and GHPP was no where near worth it (but I work full time).

Other than GHPP, there are no flowing insurance plans. You should inform your doc of this so that he doesn't give any more patients false hopes.
 
C

CaliSally

New member
I'm in SoCal. I have GHPP and Medicare and between the two, EVERYTHING CF related has been covered. And because I was below a certain income, I didn't even have an annual co-pay. This year will be different though, since I got married, but even at that, I think it's only going to be a few hundred for the annual, and then that's it.

GHPP: 800-639-0597
 
C

CaliSally

New member
I'm in SoCal. I have GHPP and Medicare and between the two, EVERYTHING CF related has been covered. And because I was below a certain income, I didn't even have an annual co-pay. This year will be different though, since I got married, but even at that, I think it's only going to be a few hundred for the annual, and then that's it.

GHPP: 800-639-0597
 
C

CaliSally

New member
I'm in SoCal. I have GHPP and Medicare and between the two, EVERYTHING CF related has been covered. And because I was below a certain income, I didn't even have an annual co-pay. This year will be different though, since I got married, but even at that, I think it's only going to be a few hundred for the annual, and then that's it.

GHPP: 800-639-0597
 
L

littledebbie

New member
Here's a link for you convenience. Be prepared they ask for a TON of paperwork...ugh. <a target=_blank class=ftalternatingbarlinklarge href="http://www.dhs.ca.gov/pcfh/cms/ghpp/">GHPP</a>
 
L

littledebbie

New member
Here's a link for you convenience. Be prepared they ask for a TON of paperwork...ugh. <a target=_blank class=ftalternatingbarlinklarge href="http://www.dhs.ca.gov/pcfh/cms/ghpp/">GHPP</a>
 
L

littledebbie

New member
Here's a link for you convenience. Be prepared they ask for a TON of paperwork...ugh. <a target=_blank class=ftalternatingbarlinklarge href="http://www.dhs.ca.gov/pcfh/cms/ghpp/">GHPP</a>
 
P

PeterC

New member
Blake:

I have GHPP and my CO PAY for the year was only $240. I am self employed and married, my premium was based on our take home of $45,000 after taxes and business expenses. They have you re-apply for insurance with them every year. It just means supplying some very basic information on a multi page form and giving them a copy of your past year earnings statement (IRS filing).

GHPP has been going through some personel changes lately and it has been difficult to get answers from them because of their internal problems. You should also know that in the past my years premiums have been as high as $1500 but that is still much less than you would pay using other insurance.

If you work for someone else you will qualify for whatever group insurance the company offers and will pay whatever fees associated with that.

I have been on GHPP since moving to California in 1990 even though I have worked full time for different companies at times I always held on to my GHPP.

GHPP is known as a pain to work with because they often take so long to give approval for prescription refills but you can avoid that problem by calling in your refills two weeks before you actually need them.

The best thing about and the only reason why I have stuck with GHPP so long is because they <u>cover everything</u> except your yearly CO PAY and the yearly CO PAY is a drop in the bucket compared to what most people pay for health insurance.

Best wishes for your new life in California!!

PeterC 58 w/cf

P. S. If you want more information or want to communicate about living in Northern California (I live less than an hour from San Francisco) leave me a personal message and I will get back to you as soon as I can.
 
P

PeterC

New member
Blake:

I have GHPP and my CO PAY for the year was only $240. I am self employed and married, my premium was based on our take home of $45,000 after taxes and business expenses. They have you re-apply for insurance with them every year. It just means supplying some very basic information on a multi page form and giving them a copy of your past year earnings statement (IRS filing).

GHPP has been going through some personel changes lately and it has been difficult to get answers from them because of their internal problems. You should also know that in the past my years premiums have been as high as $1500 but that is still much less than you would pay using other insurance.

If you work for someone else you will qualify for whatever group insurance the company offers and will pay whatever fees associated with that.

I have been on GHPP since moving to California in 1990 even though I have worked full time for different companies at times I always held on to my GHPP.

GHPP is known as a pain to work with because they often take so long to give approval for prescription refills but you can avoid that problem by calling in your refills two weeks before you actually need them.

The best thing about and the only reason why I have stuck with GHPP so long is because they <u>cover everything</u> except your yearly CO PAY and the yearly CO PAY is a drop in the bucket compared to what most people pay for health insurance.

Best wishes for your new life in California!!

PeterC 58 w/cf

P. S. If you want more information or want to communicate about living in Northern California (I live less than an hour from San Francisco) leave me a personal message and I will get back to you as soon as I can.
 
P

PeterC

New member
Blake:

I have GHPP and my CO PAY for the year was only $240. I am self employed and married, my premium was based on our take home of $45,000 after taxes and business expenses. They have you re-apply for insurance with them every year. It just means supplying some very basic information on a multi page form and giving them a copy of your past year earnings statement (IRS filing).

GHPP has been going through some personel changes lately and it has been difficult to get answers from them because of their internal problems. You should also know that in the past my years premiums have been as high as $1500 but that is still much less than you would pay using other insurance.

If you work for someone else you will qualify for whatever group insurance the company offers and will pay whatever fees associated with that.

I have been on GHPP since moving to California in 1990 even though I have worked full time for different companies at times I always held on to my GHPP.

GHPP is known as a pain to work with because they often take so long to give approval for prescription refills but you can avoid that problem by calling in your refills two weeks before you actually need them.

The best thing about and the only reason why I have stuck with GHPP so long is because they <u>cover everything</u> except your yearly CO PAY and the yearly CO PAY is a drop in the bucket compared to what most people pay for health insurance.

Best wishes for your new life in California!!

PeterC 58 w/cf

P. S. If you want more information or want to communicate about living in Northern California (I live less than an hour from San Francisco) leave me a personal message and I will get back to you as soon as I can.
 
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