Where To Get Health Insurance With A Temporary “preexisting” Condition…?
Posted by: Alan in Cat Health Problem, tags: "preexisting", Condition., Health, Insurance., Temporary, Where, With
I am angry. I am beyond frustrated. HELP!! In Oct 08′ I had a job(medical practice), health insurance, and expecting my first child. In Nov 08′ everything came crashing down. My boss(a medical doctor) killed himself, causing the medical practice to close(obviously). This resulting in myself, 7months pregnant, unemployed and uninsured. COBRA was not an option because the entire employer no longer existed.Being 7months pregnant is “pre-existing” and no ins. company would touch me. Besides the devastation and stress of losing my boss/friend/doctor…I also gained unexplainable stress as an uninsured, VERY PREGNANT, case. By the grace of God, I finally got insurance towards the end of december08′ by AIM which is a program for pregnant woman needing insurance. 2 weeks later I fell and dislocated my knee. No rehab for knee was possible till baby was delivered, so I lay immobilized, pregnant, and in a wheelchair the rest of my pregnancy. Could this nightmare get any worse….yes! Again, by the grace of God, I gave birth to a healthy, beautiful babygirl in Feb09. Finally I could start the necessary rehab for my knee so I could start walking again…except for one PROBLEM. The AIM insurance ends once the mother gives birth. And GUESS what these greedy insurance companies are re-labeling me….PRE-EXISTING(now due to knee). None of this I would wish on my worse enemies…which happen to be fat-cats of insurance companies. How dare they all deny me care because of something I could not help! Worse of all is, Im not trying for effin handouts…Im willing to pay ridiculous monthly ins premiums, and still Im getting denied…So what now. How can I give the best care to my child, when I barely can walk on the injured leg….They don’t care…who does? And icing on the cake….Im working part-time in hopes that full-time will be offered so I can get insurance again..and a patient who can barely speak 3 words of english comes in to my med office today with better insurance than my father who served this country! Now someone tell me whats wrong with that picture………
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December 10th, 2009 at 11:03 am
healthplans.my-age.net – here is my health insurance plan. As I remember they can provide such a service.
December 10th, 2009 at 5:13 pm
i agree with you.
my husband has Parkinson’s disease and cannot get health insurance since it is not available. we have “gap insurance” but it will not pay for any pre-existing conditions. i love it that health insurance can “cherry pick” the healthy and deny the sick.
that is the reason we need mandatory health insurance, just like auto and home; the Definition of insurance is the law of large numbers, which means by insuring a large group, you collect enough premium from both healthy and sick to pay claims. in some states, when you become sick, they stop taking in new insureds, so all the healthy leave for lower prices in another company and the sick who stay since they cant find new policies then get stuck with higher premiums to the point that you could pay $200 per month and then find your premium increase to $4K per month, so guess what, you cancel and then become uninsured.
here is a suggestion. contact your state insurance department. most have “high risk” insurance. you have to be denied by a health insurance company to qualify. the premiums are high unfortunately but you will be able to get health insurance. when you call and inquire, verify that there is no pre-existing clause for treatment. even if you qualify, they may have a 18 month to 2 year waiting period before they pick up your needed treatment. so you need to ask those questions.
one other consideration; since you are working part time and have a baby, see if you qualify for Medicaid for yourself or your baby. there are maximum income requirements that you must meet. if you make too much, may not qualify. in some cases, the mother does not qualify, but the baby does.
call you state insurance dept and find out if you qualify for Medicaid 1st. then if not, call about the high risk plan.
good luck
December 10th, 2009 at 11:16 pm
First of all your situation IS completely understandable considering what happened and it was unfortunate. The problem is you can’t expect a new company to just want to pay for your knee because they’re not responsible for your problems that occurred before the coverage began. Think about it for a minute. If you owned a company and I came to you asking for you to give me $10,000 in return for my $500 would you accept the offer? And, how many times do you think you could accept that offer until you were out of business? It’s the same with an insurance company. You’re asking them to accept a smaller premium than the size of the bills you’d like them to pay. They can do it when it’s an unexpected illness or injury because they can play the probabilities and take a chance. But, when the probability of an occurrance is 100% because the condition is already there (pre-existing), then they can’t do it.
The only time you can blame the insurance company is if you pay them for the coverage AND THEN the accident or illness happens and they’re giving you a hard time.
When the group insurance ended you would have immediately been eligible for a HIPAA plan through an insurance company. You should have picked up that plan at that time because (depending on your state on what plans were available) the pregnancy would have been covered and then the knee which was an unknown at that time.
So, the answer to your question is that there isn’t a plan that’s willing to shell out money for an injury that happened when they weren’t covering you. Your best bet is to find a high risk pool for your state. If you were in my state you would have had coverage starting in Dec or Jan and the pregnancy would have been covered and then the knee AND it might only cost a couple hundred a month under our state’s high risk pool which would have been the HIPAA plan.
So, don’t blame the insurance companies, just blame your state for not having an alternative like other states do…assuming they don’t. And, see if your state does have something and act quick because you still might be HIPAA eligible depending on when the AIM plan ended…which at this point seems to be beyond the 60 day window unfortunately.
Again, it’s not your fault, but it’s not the insurance companies’ either. That’s when your state needs to step up.
December 11th, 2009 at 3:08 am
At first,you may collect some infomation by inputing the relevant keywords in search engine,if you get good luck there ,then your problem is solved.nevertheless,if you could not find the ideal answer for your question by doing that,here http://www.healthinsurance-onlinetips.in… is the resource i suggest.
December 11th, 2009 at 4:10 am
The easy answer is, get added to your husbands group policy through his work.
Would you buy stock in an insurance company, that was taking in $300 a month and paying out $3,000 a month, and knew it in advance? Probably not. There’s a name for that type of insurance company – bankrupt.
If they did it for you, they’d have to do it for everyone, and they’d go broke very shortly.
No one is denying you care, except maybe your doctor or therapist. They just aren’t paying for it for you.