Insurance

[Guest guest]

I have done some work in advocacy for those with disabilities

so I may be able to address some health insurance realities.

The pivotal words are " enrollment " and " claims. " Most employee

health plans will not disqualify you if you have a disability

--but your status for claims settlement can and often does

change after your diagnosis is known if your disability requires

costly or long-term attention. In other words, insurance

companies are only too happy to get your employer's business

through premiums you and your employer pay...but if you become

disabled in any way that requires costly maintenance, claims may

be denied.

So your company changes insurance firms and hosts a new

enrollment period? Same deal. You're unlikely to get excluded,

but you're also unlikely to get disability-related claims paid.

Why? Health insurance packages for most companies tend to cover

conventional expenses (annual physical, maternity, common

maintenance drugs, etc. ) What they are not set- up to cover is

long-term or catastrophic illness. The reality is...no one is.

Only the very wealthy on this planet exist without the concern

for costs of needed health care.

Right now, millions of folks make life-changing decisions

because health care is so costly. I sincerely hope that in the

remainder of my life compassionate and sensible people will

work to make health care affordable for all. It will take a

major societal shift in priorities--but humans are capable of

benevolent evolution.

-- in Newington