Guest guest Posted May 29, 2000 Report Share Posted May 29, 2000 -----Original Message----- From: Gretchen Glick <liliwigg@...> egroups <egroups> Date: Sunday, May 28, 2000 9:03 PM Subject: [] Insurance , > >Well, I have Blue Cross, and it is very good. For my medical needs I >need to see private doctors at any time for any reason, so I do NOT have >an HMO and just last week I saw an article about an HMO that had been >sued for neglect. I would say make a list of what your medical needs >are, then compare that to plans you're offered. Also look for anything >that says 'preexisting conditions not covered' then don't sign up with >that one. > >Gretchen > I have an HMO and it pays 90% to a very long list of Dr's to choose from or 80% to a Dr. of my choice. My modified KAFO braces were $6,511.00 and they paid 90% as I had met my deductions and they were prescribed by my neurologist who happens to be on their list of approved Dr's. I have had no compalints with my HMO thus far. >Becky M. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 5, 2000 Report Share Posted June 5, 2000 Re: Pre-existing not covered - there are laws to protect us from such exclusions. Of course, criteria must be met, but pre-existing does not mean no coverage anymore. The law is " HIPAA " Or the Health Insurance Accountiblity and Portability Act. It is also known as the " Kennedy-Kasselbaum Act " after the 2 Senators who wrote it. I'm sure there is info on the ADA web site. My copy of the act is on paper. >From: Gretchen Glick <liliwigg@...> >Reply-egroups >egroups >Subject: [] Insurance >Date: Sun, 28 May 2000 19:10:23 -0700 > >Hi Marti, > >Well, I have Blue Cross, and it is very good. For my medical needs I >need to see private doctors at any time for any reason, so I do NOT have >an HMO and just last week I saw an article about an HMO that had been >sued for neglect. I would say make a list of what your medical needs >are, then compare that to plans you're offered. Also look for anything >that says 'preexisting conditions not covered' then don't sign up with >that one. > >Gretchen ________________________________________________________________________ Get Your Private, Free E-mail from MSN Hotmail at http://www.hotmail.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2001 Report Share Posted January 20, 2001 Caren, I do believe that you will be able to get the help you need from Dr. Morton Hyson here in Las Vegas. He is a neurologist. He was on the Channel 3 report that aired last March and he stated on the air that women have DIED from their implants. His own wife became ill from her implants, so he knows first hand what they can do. Call him and ask him if he will be able to help you out with your insurance request. I have not seen him myself, but he was very professional on the report, and not wavering in his belief about the dangers of implants. Also, there was a Dr. Ivan Goldsmith that was interviewed on this news report. He is an internist, and was also very clear in his belief that implants were making women and children ill. He may also be able to help you out. It certainly won't hurt to call their office first and explain your situation, and ask how they can help you in your pursuit for medical substantiation. Please let us know how these contacts work out for you! Patty ----- Original Message ----- From: <JCKCI@...> < egroups> Sent: Friday, January 19, 2001 4:48 PM Subject: insurance > Ok so I need a ton on medical proof that the implants are making me > sick . I went to two doctors they said that is probably not the cause > you just have a virus. The insurance lady told me I need documents > and papers to show proof im sick and the implants are what is making > me sick. I need help I guess I can go to breast implant doctors that > do believe that can cause people to get ill. Im so lost and confused. > Help > > Caren > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 2, 2004 Report Share Posted May 2, 2004 In a message dated 5/2/04 6:45:34 PM, jamie8177@... writes: Has anyone here gotten insurance here outside of being insured through work? any advice would be greatly appreciated. We are through Blue Shield. But getting any type of insurance that is nearly as good as those provided by employers is incredibly expensive. The deductibles are high (in our case $1500) the coverage is limited, and there is no dental, vision, or prescription. We have not collected any money from our insurance in 5 years. That's because usually is not covered....or the ded. is too high. Are you aware that a company MUST insure you after you get off Cobra if it is within 18 months? Check it out..... Pris Show Biz tricks for pigs! Does your pig sleep his life away? Give him a healthy challenge at ANY age. "Potbellied Pig Behavior and Training" book www.valentinesperformingpigs.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 3, 2004 Report Share Posted May 3, 2004 Hi , I'm fortunate to have good insurance through work, but basically once you have a diagnosis of RA most (if not all) companies will deny you coverage with an individual policy. Group coverage through an employer is possible because they can spread the risk (and expense) of our treatments around among the group. Since an insurance company has to charge enough in premiums to pay for all the treatment and administration (and also try to earn a profit), they are pretty selective when they can be. With private insurance the companies can put in a lot of exclusions - you might find one that will cover you, but only for things that aren't related to your RA. Check with your state insurance commissioner. Many (but not all) states have 'high risk' pools that provide coverage to people who can't get private coverage. The cost is often subsidized by a tax (paid by the insurance companies - therefore charged to everyone in the state who does have a policy) and that keeps the cost competitive. I did some research on this at work, but don't remember if Illinois is one of the states with a risk pool or not (I know that Oregon has one - I guess I'm never moving out of state!) Good luck, Beth > Hi. > I have been having problems with insurance coverage so I thought I would ask the list if anyone had any advice. I recently lost my insurance. I was on Cobra for a year and a half. It was from my last job. I held onto cobra until it ran out, so I would have coverage while I was getting my master's degree, and hoping I would have a job before Cobra ran out. Well time wasn't on my side, and Cobra ran out before I was able to find a job. Trying to find a job with benefits in rural IL isn't easy. You can't get a job without experience, you can't get experience if you don't have a job. So in the meantime I've been trying to find some sort of coverage for myself, but no companies will insure anyone with RA. GRRRRRRRRRRR. So I'm currently w/o insurance, which everyone here knows isn't a good thing. Has anyone here gotten insurance here outside of being insured through work? any advice would be greatly appreciated. > > > __________________________________________________ > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 3, 2004 Report Share Posted May 3, 2004 Hi Beth, Thanks for your information. I am coming to realize that my best and most likely only option is to find a job with benefits. But those are hard to come by if you odn't have the experience. I think Illinois does have a high risk pool. I remember someone stating that. I will have to call the state insurance dept. Thank you for all of your information. I actually had an insurance person tell me that if I had OA, it wouldn't be a problem. I could get insurance. But its because I have RA that I can't get insurance. I guess my immune system picked the wrong kind of arthritis!! Think I can do an arthritis trade? hehehehehehe. oregonbeth <broot@...> wrote: Hi ,I'm fortunate to have good insurance through work, but basically once you have a diagnosis of RA most (if not all) companies will deny you coverage with an individual policy. Group coverage through an employer is possible because they can spread the risk (and expense) of our treatments around among the group. Since an insurance company has to charge enough in premiums to pay for all the treatment and administration (and also try to earn a profit), they are pretty selective when they can be. With private insurance the companies can put in a lot of exclusions - you might find one that will cover you, but only for things that aren't related to your RA.Check with your state insurance commissioner. Many (but not all) states have 'high risk' pools that provide coverage to people who can't get private coverage. The cost is often subsidized by a tax (paid by the insurance companies - therefore charged to everyone in the state who does have a policy) and that keeps the cost competitive. I did some research on this at work, but don't remember if Illinois is one of the states with a risk pool or not (I know that Oregon has one - I guess I'm never moving out of state!)Good luck, Beth> Hi. > I have been having problems with insurance coverage so I thought I would ask the list if anyone had any advice. I recently lost my insurance. I was on Cobra for a year and a half. It was from my last job. I held onto cobra until it ran out, so I would have coverage while I was getting my master's degree, and hoping I would have a job before Cobra ran out. Well time wasn't on my side, and Cobra ran out before I was able to find a job. Trying to find a job with benefits in rural IL isn't easy. You can't get a job without experience, you can't get experience if you don't have a job. So in the meantime I've been trying to find some sort of coverage for myself, but no companies will insure anyone with RA. GRRRRRRRRRRR. So I'm currently w/o insurance, which everyone here knows isn't a good thing. Has anyone here gotten insurance here outside of being insured through work? any advice would be greatly appreciated. > > > __________________________________________________> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 3, 2004 Report Share Posted May 3, 2004 Dear , From: So I'm currently w/o insurance, which everyone here knows isn't a good thing. Has anyone here gotten insurance here outside of being insured through work? In my situation I turned to government help (ACCESS Card) for the time between when my BC/BS through work ended and my Medicare started. It was the BEST insurance I've ever had and I got to go to the dentist, eye doctor, etc. It was hard making the decision to turn there but I'm glad I did. Don't know if that helps, but that's my insurance story. I also pay almost $200 a month now for Medicare Supplement insurance. Best Wishes, Dodie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 24, 2004 Report Share Posted May 24, 2004 It seems to me you would have a better chance of getting disability if you had RA rather than OA. Both are no bargain but RA is more severe and damaging than OA. Don Quote Link to comment Share on other sites More sharing options...
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