Re: HALT-C study and Medicine Program

[Guest guest]

Alley

We have a PPO Insurance also through where I work and we have a $15.00 co pay

for doctors appts. and then we pay 10% of hospital tests ect so it works out

pretty good for us thank goodness. We do have to go to network doctors as

they call them but so far all the good doctors we have seen have been on the

network list. We are very thankful for this. Thats means that I can't

change jobs though even if I wanted to because when I got new Insurance they

would call his Hep C pre-existing and I bet everyone out there has heard that

word before.

Winne

[Guest guest]

Alley

We have a PPO Insurance also through where I work and we have a $15.00 co pay

for doctors appts. and then we pay 10% of hospital tests ect so it works out

pretty good for us thank goodness. We do have to go to network doctors as

they call them but so far all the good doctors we have seen have been on the

network list. We are very thankful for this. Thats means that I can't

change jobs though even if I wanted to because when I got new Insurance they

would call his Hep C pre-existing and I bet everyone out there has heard that

word before.

Winne

[Guest guest]

Alley

We have a PPO Insurance also through where I work and we have a $15.00 co pay

for doctors appts. and then we pay 10% of hospital tests ect so it works out

pretty good for us thank goodness. We do have to go to network doctors as

they call them but so far all the good doctors we have seen have been on the

network list. We are very thankful for this. Thats means that I can't

change jobs though even if I wanted to because when I got new Insurance they

would call his Hep C pre-existing and I bet everyone out there has heard that

word before.

Winne

[Guest guest]

Winne says <<. Thats means that I can't change jobs though even if I wanted

to because when I got new Insurance they would call his Hep C pre-existing

and I bet everyone out there has heard that

word before.>>

Well if I understand the laws right, in Texas, for insurance, any breakage

in ins coverage less than 63 days is not considered a pre-existing

condition. If you have a break in insurance greater than 63 days, then the

waiting period for a pre-existing condition is reduced one month for each

month you had insurance for the prior twelve months.

Now this is just for the medical insurance, it doesn't apply for short or

long term, however most around here have a one year waiting period for

pre-existing for those things.

Texas has better condition than the Federal requirements, you might check

your state and make sure. A lot of people who move to Texas don't understand

this and go on a while suffering under another state's law.

With hubby's new job, there's no pre-existing condition that we could find

except for short and long term insurance. Of course that means we have to

sign up for something within the allotted sign up time, usually 30 days, or

we'd have to have a proof of insurability thingy.

Good luck

[Guest guest]

Winne says <<. Thats means that I can't change jobs though even if I wanted

to because when I got new Insurance they would call his Hep C pre-existing

and I bet everyone out there has heard that

word before.>>

Well if I understand the laws right, in Texas, for insurance, any breakage

in ins coverage less than 63 days is not considered a pre-existing

condition. If you have a break in insurance greater than 63 days, then the

waiting period for a pre-existing condition is reduced one month for each

month you had insurance for the prior twelve months.

Now this is just for the medical insurance, it doesn't apply for short or

long term, however most around here have a one year waiting period for

pre-existing for those things.

Texas has better condition than the Federal requirements, you might check

your state and make sure. A lot of people who move to Texas don't understand

this and go on a while suffering under another state's law.

With hubby's new job, there's no pre-existing condition that we could find

except for short and long term insurance. Of course that means we have to

sign up for something within the allotted sign up time, usually 30 days, or

we'd have to have a proof of insurability thingy.

Good luck

[Guest guest]

Winne says <<. Thats means that I can't change jobs though even if I wanted

to because when I got new Insurance they would call his Hep C pre-existing

and I bet everyone out there has heard that

word before.>>

Well if I understand the laws right, in Texas, for insurance, any breakage

in ins coverage less than 63 days is not considered a pre-existing

condition. If you have a break in insurance greater than 63 days, then the

waiting period for a pre-existing condition is reduced one month for each

month you had insurance for the prior twelve months.

Now this is just for the medical insurance, it doesn't apply for short or

long term, however most around here have a one year waiting period for

pre-existing for those things.

Texas has better condition than the Federal requirements, you might check

your state and make sure. A lot of people who move to Texas don't understand

this and go on a while suffering under another state's law.

With hubby's new job, there's no pre-existing condition that we could find

except for short and long term insurance. Of course that means we have to

sign up for something within the allotted sign up time, usually 30 days, or

we'd have to have a proof of insurability thingy.

Good luck

[Guest guest]

Winne says <<. Thats means that I can't change jobs though even if I wanted

to because when I got new Insurance they would call his Hep C pre-existing

and I bet everyone out there has heard that

word before.>>

Well if I understand the laws right, in Texas, for insurance, any breakage

in ins coverage less than 63 days is not considered a pre-existing

condition. If you have a break in insurance greater than 63 days, then the

waiting period for a pre-existing condition is reduced one month for each

month you had insurance for the prior twelve months.

Now this is just for the medical insurance, it doesn't apply for short or

long term, however most around here have a one year waiting period for

pre-existing for those things.

Texas has better condition than the Federal requirements, you might check

your state and make sure. A lot of people who move to Texas don't understand

this and go on a while suffering under another state's law.

With hubby's new job, there's no pre-existing condition that we could find

except for short and long term insurance. Of course that means we have to

sign up for something within the allotted sign up time, usually 30 days, or

we'd have to have a proof of insurability thingy.

Good luck

[Guest guest]

When I go my new job a year+ ago, I had already been diagnosed and had

my biopsy. Because I was insured at time of diagnosis, they said they

would cover it after 12 months...of course I had to get documentation

from the previous insurer. However, I immediately found a new doctor and

proceded to get into treatment....and they never denied any benefits.

Alley/Pat wrote:

> Winne says <<. Thats means that I can't change jobs though even if I

> wanted

> to because when I got new Insurance they would call his Hep C

> pre-existing

> and I bet everyone out there has heard that

> word before.>>

>

> Well if I understand the laws right, in Texas, for insurance, any

> breakage

> in ins coverage less than 63 days is not considered a pre-existing

> condition. If you have a break in insurance greater than 63 days,

> then the

> waiting period for a pre-existing condition is reduced one month for

> each

> month you had insurance for the prior twelve months.

>

> Now this is just for the medical insurance, it doesn't apply for short

> or

> long term, however most around here have a one year waiting period for

>

> pre-existing for those things.

>

> Texas has better condition than the Federal requirements, you might

> check

> your state and make sure. A lot of people who move to Texas don't

> understand

> this and go on a while suffering under another state's law.

>

> With hubby's new job, there's no pre-existing condition that we could

> find

> except for short and long term insurance. Of course that means we have

> to

> sign up for something within the allotted sign up time, usually 30

> days, or

> we'd have to have a proof of insurability thingy.

>

> Good luck

>

>

>

[Guest guest]

When I go my new job a year+ ago, I had already been diagnosed and had

my biopsy. Because I was insured at time of diagnosis, they said they

would cover it after 12 months...of course I had to get documentation

from the previous insurer. However, I immediately found a new doctor and

proceded to get into treatment....and they never denied any benefits.

Alley/Pat wrote:

> Winne says <<. Thats means that I can't change jobs though even if I

> wanted

> to because when I got new Insurance they would call his Hep C

> pre-existing

> and I bet everyone out there has heard that

> word before.>>

>

> Well if I understand the laws right, in Texas, for insurance, any

> breakage

> in ins coverage less than 63 days is not considered a pre-existing

> condition. If you have a break in insurance greater than 63 days,

> then the

> waiting period for a pre-existing condition is reduced one month for

> each

> month you had insurance for the prior twelve months.

>

> Now this is just for the medical insurance, it doesn't apply for short

> or

> long term, however most around here have a one year waiting period for

>

> pre-existing for those things.

>

> Texas has better condition than the Federal requirements, you might

> check

> your state and make sure. A lot of people who move to Texas don't

> understand

> this and go on a while suffering under another state's law.

>

> With hubby's new job, there's no pre-existing condition that we could

> find

> except for short and long term insurance. Of course that means we have

> to

> sign up for something within the allotted sign up time, usually 30

> days, or

> we'd have to have a proof of insurability thingy.

>

> Good luck

>

>

>

[Guest guest]

When I go my new job a year+ ago, I had already been diagnosed and had

my biopsy. Because I was insured at time of diagnosis, they said they

would cover it after 12 months...of course I had to get documentation

from the previous insurer. However, I immediately found a new doctor and

proceded to get into treatment....and they never denied any benefits.

Alley/Pat wrote:

> Winne says <<. Thats means that I can't change jobs though even if I

> wanted

> to because when I got new Insurance they would call his Hep C

> pre-existing

> and I bet everyone out there has heard that

> word before.>>

>

> Well if I understand the laws right, in Texas, for insurance, any

> breakage

> in ins coverage less than 63 days is not considered a pre-existing

> condition. If you have a break in insurance greater than 63 days,

> then the

> waiting period for a pre-existing condition is reduced one month for

> each

> month you had insurance for the prior twelve months.

>

> Now this is just for the medical insurance, it doesn't apply for short

> or

> long term, however most around here have a one year waiting period for

>

> pre-existing for those things.

>

> Texas has better condition than the Federal requirements, you might

> check

> your state and make sure. A lot of people who move to Texas don't

> understand

> this and go on a while suffering under another state's law.

>

> With hubby's new job, there's no pre-existing condition that we could

> find

> except for short and long term insurance. Of course that means we have

> to

> sign up for something within the allotted sign up time, usually 30

> days, or

> we'd have to have a proof of insurability thingy.

>

> Good luck

>

>

>

[Guest guest]

When I go my new job a year+ ago, I had already been diagnosed and had

my biopsy. Because I was insured at time of diagnosis, they said they

would cover it after 12 months...of course I had to get documentation

from the previous insurer. However, I immediately found a new doctor and

proceded to get into treatment....and they never denied any benefits.

Alley/Pat wrote:

> Winne says <<. Thats means that I can't change jobs though even if I

> wanted

> to because when I got new Insurance they would call his Hep C

> pre-existing

> and I bet everyone out there has heard that

> word before.>>

>

> Well if I understand the laws right, in Texas, for insurance, any

> breakage

> in ins coverage less than 63 days is not considered a pre-existing

> condition. If you have a break in insurance greater than 63 days,

> then the

> waiting period for a pre-existing condition is reduced one month for

> each

> month you had insurance for the prior twelve months.

>

> Now this is just for the medical insurance, it doesn't apply for short

> or

> long term, however most around here have a one year waiting period for

>

> pre-existing for those things.

>

> Texas has better condition than the Federal requirements, you might

> check

> your state and make sure. A lot of people who move to Texas don't

> understand

> this and go on a while suffering under another state's law.

>

> With hubby's new job, there's no pre-existing condition that we could

> find

> except for short and long term insurance. Of course that means we have

> to

> sign up for something within the allotted sign up time, usually 30

> days, or

> we'd have to have a proof of insurability thingy.

>

> Good luck

>

>

>