Insurance

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[wildchild]

I have been spending a lot of time lately thinking/worrying about insurance. Patrick and I can not get married until we have a plan. He is currently covered by both his parents' insurance, but the moment he gets married he loses that coverage <img src="i/expressions/face-icon-small-sad.gif" border="0">. I finish school in December, and I am hoping and praying to find a job with the federal government; they have great benefits and no pre-existing illness clause. But... I am worried that I won't find a job with them, and I do not want to wait much longer to get married! <img src="i/expressions/face-icon-small-disgusted.gif" border="0">

<b>So my question is really directed at those of you who have CF and are married an those of you who married a CFer: what did you do about insurance?</b>

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[NoExcuses]

Ruth, I'm not married to a CFer nor am I married, but I do have CF.

Part of being involved in a CFer's life is learning to be practical. I think you guys need to hold off on getting married until you have a job, if insurance is your biggest concern. LIke you said, you don't want to wait much longer but you need to keep the facts in mind.

Does he work? Can he get a job where he has insurance through work? This is the only other way to ensure that he has insurance if you guys get married and you don't have a job.

Take care.

<b> Edited to Add </b> : Group insurance through the federal government or a normal corporation/small business never has a pre-existing clause. It's a federal rule that group insurance has to accept everybody. It's only individual insurance (the kind that you pick up on your own) that can exclude people for pre-existing conditions.

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[janddburke]

I believe ther pre existing condition clause is mostly for those who don't already have insurance or who have a gap in their coverage.
I would check with Beth Suffian (sp?). she is a lawyer who handles CF issues. I believe there is a link on the CFF website.
I have heard her speak in person and was very impressed. I'm sure she can provide some very valuable information.

(at which point you'll come back here and share it, right?)

 

[wildchild]

Sakasuka- You are right, and there is no way either of us would consent to marrying before the insurance is worked out. That's why I am curious as to what things people around here have done. The easiest thing is for me to get a job that will provide the coverage we need, but if that takes a long time or proves to be impossible, I know there are other options. That is what I am trying to find out from you good people. He does work, at a job he loves but that can't provide insurance to its employees (yet. It's a small, privately owned business), and I don't want him to stop doing what he loves for me. So no, that is not really an option.

jandburke- thanks for the tip; I will have a look and see what I can find. (And I would be happy to share it here after the fact <img src="i/expressions/face-icon-small-smile.gif" border="0">)

 

[wildchild]

Sakasuka- You are right, and there is no way either of us would consent to marrying before the insurance is worked out. That's why I am curious as to what things people around here have done. The easiest thing is for me to get a job that will provide the coverage we need, but if that takes a long time or proves to be impossible, I know there are other options. That is what I am trying to find out from you good people. He does work, at a job he loves but that can't provide insurance to its employees (yet. It's a small, privately owned business), and I don't want him to stop doing what he loves for me. So no, that is not really an option.

jandburke- thanks for the tip; I will have a look and see what I can find. (And I would be happy to share it here after the fact <img src="i/expressions/face-icon-small-smile.gif" border="0">)