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Insurance Policy's??

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PoolShooter24

New member
I was just wondering if there are any good insurance plan's that you guys/gals know of for me...I will be graduating HighSchool in May...And i dont know what i want to do after school...i want to go to collage just not right away....I am wondering if you know of plans for a CF patient and Liver transplant to where my copay would be small....i am on alot of meds so i have to have a good insurance plan...anything would be nice
 
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PoolShooter24

New member
I was just wondering if there are any good insurance plan's that you guys/gals know of for me...I will be graduating HighSchool in May...And i dont know what i want to do after school...i want to go to collage just not right away....I am wondering if you know of plans for a CF patient and Liver transplant to where my copay would be small....i am on alot of meds so i have to have a good insurance plan...anything would be nice
 
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anonymous

New member
Hey Tyler,


I hope I'm wrong on this one - but from what I understand, insurance policies won't cover CF patients because we have a "pre-existing condition."

The only way to get insurance is through a "group plan" which occurs when are employed and the insurance provider is required by law to cover everyone in the group regardless of health status. Another way is through school - the college I went to had a group insurance plan.

Again, I hope I'm wrong. I hate to be the one to give the bad news.

Anyone else heard differently?
 
A

anonymous

New member
Hey Tyler,


I hope I'm wrong on this one - but from what I understand, insurance policies won't cover CF patients because we have a "pre-existing condition."

The only way to get insurance is through a "group plan" which occurs when are employed and the insurance provider is required by law to cover everyone in the group regardless of health status. Another way is through school - the college I went to had a group insurance plan.

Again, I hope I'm wrong. I hate to be the one to give the bad news.

Anyone else heard differently?
 
A

anonymous

New member
Hey Tyler,


I hope I'm wrong on this one - but from what I understand, insurance policies won't cover CF patients because we have a "pre-existing condition."

The only way to get insurance is through a "group plan" which occurs when are employed and the insurance provider is required by law to cover everyone in the group regardless of health status. Another way is through school - the college I went to had a group insurance plan.

Again, I hope I'm wrong. I hate to be the one to give the bad news.

Anyone else heard differently?
 
A

anonymous

New member
Hey Tyler,


I hope I'm wrong on this one - but from what I understand, insurance policies won't cover CF patients because we have a "pre-existing condition."

The only way to get insurance is through a "group plan" which occurs when are employed and the insurance provider is required by law to cover everyone in the group regardless of health status. Another way is through school - the college I went to had a group insurance plan.

Again, I hope I'm wrong. I hate to be the one to give the bad news.

Anyone else heard differently?
 
C

CowTown

New member
Hi Tyler, I agree options vary from state to state. You can use the Search button and type in insurance too. There have been quite a few postings from others on the topic. Don't know if they'll answer your questions.

If you're in California, then I have the answer for you!
 
C

CowTown

New member
Hi Tyler, I agree options vary from state to state. You can use the Search button and type in insurance too. There have been quite a few postings from others on the topic. Don't know if they'll answer your questions.

If you're in California, then I have the answer for you!
 
A

Alyssa

New member
It is my understanding that there are legal limits to pre-existing conditions. The longest any insurnace company can hold you out is 18 months, regardless of how you obtain the coverage.

If you currently have coverage and do not have a laps in coverage of more than 60 days the pre-existing conditions do not apply -- that one is a HIPPA rule so it is nationwide.

Check it out with an attorney if necessary but I do believe pre-existing conditions are specifically why we have the second "P" in HIPPA .. it stands for "portablitly" -- meaning you can change insurance companies without penalty.

So to answer your question -- we have an excellent policy with Cigna Health Care -- provided by my husbands employer -- it covers everything very well but does run the company at least $1000 per month for the four of us.
 
A

Alyssa

New member
It is my understanding that there are legal limits to pre-existing conditions. The longest any insurnace company can hold you out is 18 months, regardless of how you obtain the coverage.

If you currently have coverage and do not have a laps in coverage of more than 60 days the pre-existing conditions do not apply -- that one is a HIPPA rule so it is nationwide.

Check it out with an attorney if necessary but I do believe pre-existing conditions are specifically why we have the second "P" in HIPPA .. it stands for "portablitly" -- meaning you can change insurance companies without penalty.

So to answer your question -- we have an excellent policy with Cigna Health Care -- provided by my husbands employer -- it covers everything very well but does run the company at least $1000 per month for the four of us.
 
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lovingBenandCambree

New member
The way that my insurance worked once I graduated from High school, I was on my dads insurance and the policy was that it would pay as long as I was either going to school or until I was married. If I quit school then it would end. After I graduated from College with my Bach then my dad put me on a cobra plan with his company that i could stay on for 3 years but it cost about $600.00 a month. Luckily, my dad had the money and covered it for me. I was very fortunate. Then my husband got a job with my dads company about 2 years out on the cobra and they had to cover me under their blanket plan. We have been very blessed that way. I know that it is a scary situation. Look and see what your parents insurance states about not going to school and such, if that is what you are on now. Good luck!!!

Emilee
 
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lovingBenandCambree

New member
The way that my insurance worked once I graduated from High school, I was on my dads insurance and the policy was that it would pay as long as I was either going to school or until I was married. If I quit school then it would end. After I graduated from College with my Bach then my dad put me on a cobra plan with his company that i could stay on for 3 years but it cost about $600.00 a month. Luckily, my dad had the money and covered it for me. I was very fortunate. Then my husband got a job with my dads company about 2 years out on the cobra and they had to cover me under their blanket plan. We have been very blessed that way. I know that it is a scary situation. Look and see what your parents insurance states about not going to school and such, if that is what you are on now. Good luck!!!

Emilee
 
J

julie

New member
If you have continuous coverage, and insurance company CANNOT deny you coverage under the new HIPPA laws. They can impose a waiting period for coverage of CF related visits and meds though.

I would look into medicaid through your state. Many states have medicaid coverage available for someone (subject to income) until the age of 21. After that, it is case by case based on NEED (disability).

Additionally, your parents should still be able to cover you indefinately (some ins. companies have a clause that's only to 25) if you have a disablity. Also, if you do go to college right away (I know you said you didn't want to), their insurance company will allow them to keep you on until you turn 25 or get married, whichever comes first.
 
J

julie

New member
If you have continuous coverage, and insurance company CANNOT deny you coverage under the new HIPPA laws. They can impose a waiting period for coverage of CF related visits and meds though.

I would look into medicaid through your state. Many states have medicaid coverage available for someone (subject to income) until the age of 21. After that, it is case by case based on NEED (disability).

Additionally, your parents should still be able to cover you indefinately (some ins. companies have a clause that's only to 25) if you have a disablity. Also, if you do go to college right away (I know you said you didn't want to), their insurance company will allow them to keep you on until you turn 25 or get married, whichever comes first.
 
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