working from home/new insurance

[Guest guest]

Will,

Great to hear your home business is going so well. Keep up the good

work! Am I correct in that you are considered as " Self - Employed " ?

Insurance companies are different, but I too am " Self-Employed " (and

have been for several years. I am with Blue Cross of California that meets my

needs perfectly. And the CMT issue was never an issue (heck, I think the ins.

co. just wants the $) lol

Due to my age now, lol, over 50, I also have insurance with AARP. Too funny, but

I have this added insurance and it is also great. (Odd how around 3 weeks before

my 50th, I was bombarded with snail mail from AARP about all the services they

offer - my peers/all us Leo boomers got the same stuff too within a few days

apart.)

On the other hand, if this internet business/company of yours has a

health plan for you and other employees, there may be some

restrictions in there - like a 3 month waiting period for benefits to

start or something else.

So from where I sit, it doesn't sound like you'll have any problem.

But be sure to ask questions like " what is your policy on pre-

existing conditions " , " how long is the waiting period " , bla bla bla. Read the

fine print on your policy word for word when you are relaxed and have time to

thoroughly understand it all. Some states, like here in California, have

insurance programs called a " high risk pool " , which cover persons with all kinds

of illnesses/disabilities, etc., with reasonable rates and excellent coverage,

also underwritten by Blue Cross, so check that out with your state. If you're in

California, let me know and I'll get you the information.

Again, great news on your internet business! I hope it continues to

flourish!

~ Gretchen

[Guest guest]

Hi Wade,

I don't know if the laws vary from state to state, or are national, but I

believe that they cannot deny you coverage of a pre-existing condition as long

as there is no break in insuarence coverage. So

for instance, when I was laid off 5 yrs ago, I chose to pay the high

price of COBRA until I got a new job and insurance. And I haven't

had any issues yet....

[Guest guest]

If you are just changing jobs, going from one employer to another, it's true

they can't deny you if there's been no break in coverage. However, becoming

self-employed and purchasing your own private insurance is going to be a

different story. This is not " group " insurance. A private agency has no

obligation to insure you, but perhaps they will if you pay a higher premium

because you have CMT and it is pre-existing. Another way it can be done is

to buy health insurance for all non-related CMT claims. That's not

practical in my opinion. Good luck!