Guest guest Posted January 18, 1999 Report Share Posted January 18, 1999 Hi Helen, There is an insurance for self-employed people. It is quite nationally known. I can't remember the name, but you should be able to find it. We had a business owner next to our store who had really good coverage, he also had the disability plan and was paid for one year while he was sick. If I think of the name I will e-mail you. It should not be too hard to find on the internet. Hugs, and have a sunshine type of day, connie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 18, 1999 Report Share Posted January 18, 1999 Helen, I believe it is a federal law that an insurance company can only call not cover a preexisting medical condition for 6 months, then they are supposed to provide you with coverage as usual. It may be costly, but you may want to check into carrying the next medical ins for the prior six months to loosing the one you have now. Don't quote me on this, but I believe its what my Drs. office told me. Good Luck Amy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 19, 1999 Report Share Posted January 19, 1999 In a message dated 1/18/99 11:03:26 PM EST, A1M1BISHOP@... writes: << Helen, I believe it is a federal law that an insurance company can only call not cover a preexisting medical condition for 6 months, then they are supposed to provide you with coverage as usual. It may be costly, but you may want to check into carrying the next medical ins for the prior six months to loosing the one you have now. Don't quote me on this, but I believe its what my Drs. office told me. Good Luck >> The federal law is called HIPA (Health Insurance Portability Act) and allows individuals to switch group health insurance coverage without meeting another pre-existing condition if they switch jobs. When I lost my job I went on my wife's coverage with only a small gap of pre-existing coverage period. If not, I would have been liable for thousands of dollars of healthcare spending before I became eligible on her policy. The law is complicated, but if you meet the pre-ex period for one employer and change jobs you don't have to do it again. No gap in coverage. Be sure to ask you employer (old and new). Also, I am sure certain states have laws concerning this area. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 1999 Report Share Posted January 20, 1999 >Subject: [Lyme-aid] Re: Health Insurance >Sent: 1/13/19 2:35 PM >Received: 1/19/99 3:44 AM >From: A1M1BISHOP@... >Reply- lyme-aidonelist > lyme-aidonelist > >From: A1M1BISHOP@... > >Helen, I believe it is a federal law that an insurance company can only call >not cover a preexisting medical condition for 6 months, then they are >supposed >to provide you with coverage as usual. It may be costly, but you may want to >check into carrying the next medical ins for the prior six months to loosing >the one you have now. Don't quote me on this, but I believe its what my Drs. >office told me. Good Luck > >Amy > >------------------------------------------------------------------------ Helen, I agree with Amy. It was the same with when I got my insirance when I got married even though I was I think immediately picked up I had to wait six months before the insurance company could not deny my medical clains on a preexsisting condition. It was because I went for siz months without getting any treatment related to my prexsisting conditon. Just like Amy said I would get the new insurance sixmonths if you can before you other insurance expires so then after thoose six months when you wait to use you new insurance and use your old insurance to keep your treament converage up as you wait this will make it a smooth transition. The only problems will be is what kind of converage you get and will the d you were going to take you new insurance. I definately know a insurance company can't turn you down for when applying for health insurance or hold it against you but you have to wait the six months without getting any treatment wiht your new insurance converage then after that you can get treated for your preexsisting condition. The reason why you get through this loophole witha preexsiting condition this way with health insurance is because as you don't get any treatment for thoose six month it technically relabels you preexsisting conditon as cured since you are not getting any treatment. Then after the six months you start you treatment back up again and it is considered to your new company as a relaspe when you were cured for a bit or you were reinfected. Now you could technically with you new insurance when eefective get treated for other things unrelated to your preexsisting condtion or you can have your dr if you are close with him very well say that the symptom which can be related to the preexsisting condtion something different and not related. There are was to get around this loophole or federal technical waiting period is treatment is seriously needed. Rob 'Songman' Liptak Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 1999 Report Share Posted January 20, 1999 In a message dated 1/20/99 3:11:44 AM EST, songman@... writes: << It was the same with when I got my insirance when I got married even though I was I think immediately picked up I had to wait six months before the insurance company could not deny my medical clains on a preexsisting condition. (snip) The new federal law HIPA should not allow this to happen if you had previous group coverage long enough to cover any previous pre-existing period. This new law became effective January 1, 1998. There are exceptions of course, and I believe any company with fewer than 50 employees does not have to comply. The old employer who provided your group health coverage *must* supply you with information regarding this law when you leave the job and outlines the amount of pre-existing coverage period you have met to supply this info to your new group health carrier. (snip) I definately know a insurance company can't turn you down for when applying for health insurance or hold it against you but you have to wait the six months without getting any treatment wiht your new insurance converage then after that you can get treated for your preexsisting condition. (reply) Supposedly you can't get turned down on a group policy but this is definitely not the case on an individual policy. Also, pre-existing policies may vary from company to company. Understand that the pre-existing condition clause also states that you not be treated for that condition for a certain period (usually 12 months, maybe 6) before the six month period. If you have had treatment, in the 12 or 6 months prior to start of coverage, usually you will get full coverage after 12 months for all conditions. This is a pretty standard coverage policy that was in effect before the federal law was passed. The reason why you get through this loophole witha preexsiting condition this way with health insurance is because as you don't get any treatment for thoose six month it technically relabels you preexsisting conditon as cured since you are not getting any treatment. Then after the six months you start you treatment back up again and it is considered to your new company as a relaspe when you were cured for a bit or you were reinfected. Now you could technically with you new insurance when eefective get treated for other things unrelated to your preexsisting condtion or you can have your dr if you are close with him very well say that the symptom which can be related to the preexsisting condtion something different and not related. There are was to get around this loophole or federal technical waiting period is treatment is seriously needed. (reply) Everyone should be careful to read and understand each company's coverage and pre-existing clause. To state it as simply as possible, HIPA allows people who have met a full pre-existing coverage clause with one health carrier to never have to meet a pre-existing clause again when they switch jobs. Again, this was effective Jan. 1, 1998 and the devil is in the details, but with the cost of health insurance what it is, I would refrain from purchasing duplicate coverage (which may or may not solve your coverage problems) until you have researched the situation fully. >> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2001 Report Share Posted January 20, 2001 I agree. In Wisconsin we have heard reports that<br>there are over 500,000 uninsured people living <br>here. What we can do for ourselves while we wait<br>to get into a better position to monitor the hepc<br>is read. We can look into gastroenterology and <br>pathology books,etc.; we can also send for news<br>letters from a variety of organization,join clubs,<br>read up on disability laws, check into high-risk<br>insurance policies, and drug manufacturers' pro-<br>grams that off set the high costs of medicine. The<br>last thing we want to do is give up and quit.<br>JM Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 17, 2003 Report Share Posted June 17, 2003 Cathie: The whole insurance business is really scary. I am still on my work insurance and I pay over 300 a month just for myself. I went back to graduate school last August and the university would not insure me until this August. My diagnosis changed this month from undifferentiated connective tissue disease to AIH. I guess now I probably won't be able to get any insurance. GOod luck > Hello all. SInce I'm paying $949.00 per month in health insurance for > myself, my husband (he is self employed), and 3 kids, I thought I would look > around to see if I could find health insurance cheaper, I found a company, > applied, and was turned down because of autoimmune hepatitis. That's scary, > to know that we have to continue to pay $12,000 a year in health insurance > just to be insured, and that my husband's business better not have a down > turn, and not clear as much $ per month, because if it does, I'm really > screwed! It's kind of like being in prison. Cathie > > _________________________________________________________________ > MSN 8 helps eliminate e-mail viruses. Get 2 months FREE*. > http://join.msn.com/?page=features/virus Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 22, 2004 Report Share Posted September 22, 2004 In a message dated 9/22/04 4:19:50 PM Pacific Daylight Time, Missa_jo@... writes: What sort of insurance do other people with hypothyroidism have? Since you are probably not going to come to another town and work at our places of employment, I think that was not the right question to ask. I think you want peopel to tell you what tests should be done. If it is $110.00 for labs, get 'em all at once. I have small rolling veins, I tell my doctor get as much as you need/want for all the tests because I am not going back there every month to try something new. Have the doc order a FULL and COMPLETE blood panel so you only absorb the deductible one time. Get the cholesterol, diabetes, fasting, t2, t4, TSH, etc. anything and everything al at once for the same price. a Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 22, 2004 Report Share Posted September 22, 2004 I work for the state so have state health ins. Not real sure what the deductible is but I am paying all the bill so far. Last office visit was $50. and TSH labs at the hospital were 34. That was about the same as I paid another dr. at the office for labs and office visit. Joan > I'm 24 and was diagnosed with hypothyroidism about two years > ago. I've been on minimal levythyroxin ever since (about 88 mcg, > I think) but I'm still exhausted, have major weight fluxuations, > abnormally low blood pressure, etc. I've been going to the doctor > and asking for extra lab tests, but they keep charging me $110 > per lab because my deductible is high. Since I'm single and > have no children and haven't been at my job very long, it doesn't > make sense for me to pay a lot for health insurance. > Unfortunately, Blue Cross Blue Shield PPO plan that I have has > a high deductible for labs. > > What sort of insurance do other people with hypothyroidism > have? What is the going rate for a TSH test these days? Does > anybody know a place where I can find price comparisons? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 22, 2004 Report Share Posted September 22, 2004 Do you have a Quest Diagnostics in your neighborhood? They are reasonable. I have insurance also, a PPO plan. My deductible is $750 so when I had blood work done I had to make out a payment plan. My test came to a total of almost $250. mjshuman98 <Missa_jo@...> wrote:I'm 24 and was diagnosed with hypothyroidism about two years ago. I've been on minimal levythyroxin ever since (about 88 mcg, I think) but I'm still exhausted, have major weight fluxuations, abnormally low blood pressure, etc. I've been going to the doctor and asking for extra lab tests, but they keep charging me $110 per lab because my deductible is high. Since I'm single and have no children and haven't been at my job very long, it doesn't make sense for me to pay a lot for health insurance. Unfortunately, Blue Cross Blue Shield PPO plan that I have has a high deductible for labs. What sort of insurance do other people with hypothyroidism have? What is the going rate for a TSH test these days? Does anybody know a place where I can find price comparisons? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 23, 2004 Report Share Posted September 23, 2004 mjshuman98 wrote: > ... I've been going to the doctor > and asking for extra lab tests, but they keep charging me $110 > per lab because my deductible is high. Since I'm single and > have no children and haven't been at my job very long, it doesn't > make sense for me to pay a lot for health insurance. > Unfortunately, Blue Cross Blue Shield PPO plan that I have has > a high deductible for labs. ... Are you talking about a true " deductible " or a " co-pay? " The difference is that the deductible goes away once you pay a set limit each year. I would think it is worth the expense of a deductible to get your dosage right. However, timing could be significant. The best deal would be to get it all done within a single pay cycle, typically a calendar year. That way you pay the deductible once but get all the tests you should need for quite a while. If you are dealing with a hefty co-pay, then you probably want a strategy that minimizes the number of tests. Your doctor may be able to help you with that by relying more on your symptoms. I doubt that you will be able to get the full cost below about $85 per test, because the reagents cost the same no matter where you live. However, it does depend on how many boxes are checked, so again your doctor may be able to minimize the number of things tested. It pays to pick the right insurance plan, and the choice can be quite complicated when the likely needs of an entire family must be considered. Best of luck, Chuck Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 23, 2004 Report Share Posted September 23, 2004 Treat yourself, b/c you can do a better job than the doc is doing. Order Armour over the internet and take enough to feel well. We should not be treated to the tests. You can order your own labs (FREE T3 and FREE T4 plus TSH) from http://www.healthcheckUSA.com (I think that's it, more info at http://www.thyroid.about.com ) http://www.geocities.com/thyroide to order Armour. Gracia > > I'm 24 and was diagnosed with hypothyroidism about two years > ago. I've been on minimal levythyroxin ever since (about 88 mcg, > I think) but I'm still exhausted, have major weight fluxuations, > abnormally low blood pressure, etc. I've been going to the doctor > and asking for extra lab tests, but they keep charging me $110 > per lab because my deductible is high. Since I'm single and > have no children and haven't been at my job very long, it doesn't > make sense for me to pay a lot for health insurance. > Unfortunately, Blue Cross Blue Shield PPO plan that I have has > a high deductible for labs. > > What sort of insurance do other people with hypothyroidism > have? What is the going rate for a TSH test these days? Does > anybody know a place where I can find price comparisons? > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 23, 2005 Report Share Posted September 23, 2005 Are you talking avout life ins. or health ins? --- Turk <jandygallogly@...> wrote: > What companys in Florida will write a self employed > individual with > hep c. All I have applied to so far have denied me > coverage. > > > __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 23, 2005 Report Share Posted September 23, 2005 Health Ins in the state of Florida Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 24, 2005 Report Share Posted September 24, 2005 Have you tried Blue Cross? Be prepared to pay much more than the usual rate. Is it possible to leave out hep C on your application. Lots of folks do not know they have it and some policies exclude all pre-existing conditions for any coverage. Joe In a message dated 9/23/2005 4:22:40 A.M. Central Daylight Time, bill0443@... writes: > What companys in Florida will write a self employed > individual with > hep c. All I have applied to so far have denied me > coverage. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 24, 2005 Report Share Posted September 24, 2005 Joe, you are setting someone up for a lawsuite by lying telling them to lie about their hcv status on an insurance application. It so much easier to liquidate assets and get treatment on an indigent basis that it is to come out from a losing your ass lawsuite with interest. Bill --- fromyosee@... wrote: > > Have you tried Blue Cross? Be prepared to pay much > more than the usual > rate. Is it possible to leave out hep C on your > application. Lots of folks do > not know they have it and some policies exclude all > pre-existing conditions > for any coverage. > > Joe > > In a message dated 9/23/2005 4:22:40 A.M. Central > Daylight Time, > bill0443@... writes: > > > What companys in Florida will write a self > employed > > individual with > > hep c. All I have applied to so far have denied me > > coverage. > > > > > > > [Non-text portions of this message have been > removed] > > __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 25, 2005 Report Share Posted September 25, 2005 Bill, Please reread. I was not telling people they should or should not lie. I raised a question of possibilities. Each of us needs to take responsibility for our own actions. I am not in the position of telling other adults what they should or should not do. Each situation is different and no one here can say whether one such path is better or worse for any individual (other than ourselves). Your blanket statement about what is best for everyone is not accurate, as it might be true for some but not for others. Joe In a message dated 9/24/2005 10:45:36 A.M. Central Daylight Time, bill0443@... writes: Joe, you are setting someone up for a lawsuite by lying telling them to lie about their hcv status on an insurance application. It so much easier to liquidate assets and get treatment on an indigent basis that it is to come out from a losing your ass lawsuite with interest. Bill --- fromyosee@... wrote: > > Have you tried Blue Cross? Be prepared to pay much > more than the usual > rate. Is it possible to leave out hep C on your > application. Lots of folks do > not know they have it and some policies exclude all > pre-existing conditions > for any coverage. > > Joe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 1, 2006 Report Share Posted September 1, 2006 Hi, Christie. We are also in California, where a company of 2 people is in the same group for insurance purposes as any small company, up to 50 employees. So my husband and I, who have our own business, were able to get standard group insurance. We have Blue Cross of California. I was dx'ed originally a little over 2 years ago, I had already had the Blue Cross for about 3 years at the time, so no pre-existing condition problems. I started using Humira in early July. My rheumy warned me that Blue Cross usually prefers Enbrel, so even through he wanted me to use Humira he thought we might have to fight for it. We didn't, they approved it quickly. It seems that they will only let you use their pharmacy in Ohio for the biologics, but except for some stupid mistakes by UPS, it has worked. They call when it's time to refill, and schedule delivery. Coverage - Blue Cross excludes any self-injectables except insulin from their normal co-pay. Instead, you pay 20% (I think it's 20, but it's a per cent for sure) of the full cost. That comes out to about $380 a month for two injections, and when he upped me to every 7-10 days as needed, it went up to a whopping $760! Christie, where are you? I have a great insurance broker in South Pasadena who was able to set all the insurance up, and even helps with Blue Cross when necessary. email me privately if you want to take more! On 9/1/06, Christie Costello <clcostello@...> wrote: > > Hello everyone, > > I have been a lurker for about 2 months. > > I will be getting group insurance for my own company, and I will be > starting treatment for newly diagnosed RA. After doing some > research and getting lots of wonderful information from all of you, > I would like my doctor to go the aggressive route with my > treatment...straight to TNF-blockers/biologics such as Enbrel, > Humira, or Remicade, if possible. > > I would like to hear about your experiences with various health > insurance companies and their coverage in order to more easily make > my decision. Here are my questions...for those of you who wanted to > go or did go the biologics route: > > 1. What state are you in? > 2. What insurance company do you have, if any? > 3. What did your insurer cover or decline? > 4. Tell me anything else you can about the experience with your > insurer. > > Thank you, in advance for your input. If I hear from enough of you, > it really may help me choose the best insurance plan. So, > please...lurkers respond too!!! I need you!!! > > Thanks, > Christie > f/30, So. California > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 1, 2006 Report Share Posted September 1, 2006 Duh, fat fumbly fingers this morning! Make that " talk more " . On 9/1/06, Overell <patricia.overell@...> wrote: > > > > Christie, where are you? I have a great insurance broker in South > Pasadena who was able to set all the insurance up, and even helps with Blue > Cross when necessary. email me privately if you want to take more! > > > -- South Pasadena, CA See my galleries! - http://www.pbase.com/arenared986 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 1, 2006 Report Share Posted September 1, 2006 > > Hello everyone, > > I have been a lurker for about 2 months. > > I will be getting group insurance for my own company, and I will be > starting treatment for newly diagnosed RA. After doing some > research and getting lots of wonderful information from all of you, > I would like my doctor to go the aggressive route with my > treatment...straight to TNF-blockers/biologics such as Enbrel, > Humira, or Remicade, if possible. > > I would like to hear about your experiences with various health > insurance companies and their coverage in order to more easily make > my decision. Here are my questions...for those of you who wanted to > go or did go the biologics route: > > 1. What state are you in? > 2. What insurance company do you have, if any? > 3. What did your insurer cover or decline? > 4. Tell me anything else you can about the experience with your > insurer. > > Thank you, in advance for your input. If I hear from enough of you, > it really may help me choose the best insurance plan. So, > please...lurkers respond too!!! I need you!!! > > Thanks, > Christie > f/30, So. California Hi Christie-- I live and work in Sacramento. I'm part of the team that decides which insurance our company offers to employees. This definitely isn't a favorite part of my job! It's very difficult to find a policy that is affordable for the company and at the same time offers decent benefits for employees!! Currently, my company offers employees a choice between a Blue Shield HMO Policy or coverage from Kaiser. All insurance companies offer several different plans at different costs, so you'll have to do a lot of research regarding what is covered under each plan and whether you feel it's worth the extra cost. I'm covered under the Blue Shield HMO. I can't complain about the coverage--especially since I know how much the company pays for it!! I have a $30 copay for doctor's visits, and my labs are covered at 100%. Under our plan, if I did require outpatient surgery, I'd be responsible for the first $750 (ouch!!) I hope to avoid that!! I'am able to get all the drugs I'm now taking (MTX, Lecovourin (folinic acid), and Trilisate) cost $15 for a 30 day supply or $30 through mail order for a 90 day supply. For brand name formulary drugs the cost is double ($30/$60). Blue Shield does not cover drugs that are not on their formulary without speical approval. Anyway, one big thing I know from experience is that the TNF drugs fall under a different category in Blue Shield's formulary. On some of their policies, you can get these drugs (with prior approval) covered for the same co-payments as you'd pay for formulary brand name drugs. But under the policy we now have, they fall under a special category called " Home self-administered injectible medications " with a 20% co-payment up to $100/month. We changed drug plans at our company one year without realizing that the injectibles would fall under this special category--we definitely heard about it from a few of our employees when their drug co-payment went from $30 to $100!! Another thing to be aware of is that some insurance companies won't cover the TNF drugs right away. They may want you to try the more traditional/cheaper DMARDs first. I'm not sure what Blue Shield's policy is on this. I've been on MTX for about 10 months now and am just starting the process of getting approval for Enbrel. Also--if you don't currently have insurance, you should probably check to see if any pre-existing conditions would apply to you. It's my understanding that if you do currently have coverage, then the insurance companies can't impose pre-existing condition clauses on you. Hopefully this helps--let me know if you have any other questions! dordale Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 1, 2006 Report Share Posted September 1, 2006 --- In , " Christie Costello " <clcostello@...> wrote: > > Hello everyone, > > I have been a lurker for about 2 months. > > I will be getting group insurance for my own company, and I will be > starting treatment for newly diagnosed RA. After doing some > research and getting lots of wonderful information from all of you, > I would like my doctor to go the aggressive route with my > treatment...straight to TNF-blockers/biologics such as Enbrel, > Humira, or Remicade, if possible. You can treat RA aggressively with other meds--methotrexate is considered " the gold standard " of treatment. It works well and is safer than the biologics. Humira and Remicade are associated with significantly increased incidences of serious infections and lymphoma. Enbrel was not included in the study that revealed this info. this year. There's a risk/benefit ratio that you and your doctor need to examine together. Personally, I loved Arava, but had an increase in liver enzymes while on it and had to stop. Sierra Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 2, 2006 Report Share Posted September 2, 2006 > 1. What state are you in? > 2. What insurance company do you have, if any? > 3. What did your insurer cover or decline? > 4. Tell me anything else you can about the experience with your > insurer. I'm not sure how much it will help you, because I'm in MA, and the plan we use is Harvard Pilgrim Health Care... I don't think they cover people outside the northeast. That said, they have not given me any trouble of any kind over anything related to my RA. Even my rheumatologist was surprised that there were NO special requirements or red-tape to go through to put me on Enbrel. She called in the prescription to the pharmacy, and they called me 2 hours later to say it was ready to be picked up. My methotrexate (which many people take even if they also take a biologic... it seems to make the biologics work better for many people) is free. I don't even pay a co-payment. In fact, I find it slightly irritating that my co-payment for my $700 per month Enbrel is only $25, while I have a $150 co-pay for my migraine meds. :-/ The other service that they just offered me (today actually) is that if you have certain qualifying chronic illnesses, of which RA is one, they will assign you a nurse/caseworker with special training in your particular illness. That person will help you get services/meds/medical goods you need, and help coordinate care for you between various medical professionals. I don't know how much I really need that right now, because my rheumatologist is WONDERFUL, and her office seems to be filling that function for me right now. But when I hear some of the horror stories other people post about dealings with health care professionals, it sounds like an advocate like that could be very useful. My husband is a self employed CPA with several employees. He looks at various plans from time to time both in terms of coverage provided and in terms of cost. (since we pay for everyone in the group!) While I've had my gripes with this company over the years, I have to say that as far as RA is concerned, they seem to do everything they possibly can... probably because they know that the long-term costs will be much higher if they don't!(sorry if I sound a bit jaded, but...<g>) I'm glad that they are good about it though, because I'd be very concerned aout switching to a new company and finding that they disallow pre-existing conditions, or even have a wiating period before they will start picking up the costs. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2006 Report Share Posted November 10, 2006 Kristie, Call the Insurance Commissioner's Office and inform them of what is going on. Also try going through the State Medicaid program as there's a Program for kid's with diseases and they will insure. What was the last insurance you had for your child? There's a grace period between one insurance and getting another insurance. Not sure what is the day grace period though. In Georgia we have what is called Peach Care insurance for kid's as well as Medicaid and the Special Kids program. Medicaid is Federal funded as well as the Special kid's program. Each state may have their own state kid's insurance as Georgia does. Another thing is to go to the Social Security Office and Apply for SSI for your child. The child can get SSI with Insurance also in they meet the Requirement's. It never hurt's to try. Not sure what State your in so be sure to call your State Insurance Commissioner and they can help you. Robbin Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2006 Report Share Posted November 10, 2006 Have you tried your state assistance office? We were very surprised that Pennsylvania has a medicaid program for " disabled children/ " Our daughter qualified for a medical card based on medical condition and it did not take our income into consideration. Our daughter was considered to be disabled b/c of her medical condition. She is a very active six year old--she can run, jump, etc. If you can't get coverage, try Partnership for Prescription Assistance for your son's medications. The only problem is if the drug is not FDA approved for children. Sophie 's mom, systemic jra, age 6 > > My insurance company is giving me a hard time and I have called so > many insurance companies in the last few days an nobody will insure my > son because he has a preexisting condition............JRA. Anyone out > there have any suggestions??? > > > Kristie > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 10, 2006 Report Share Posted November 10, 2006 If you live in the USA and your child has not been without insurance for greater than 6 months (I think that is the coorect time) by federal law they have to cover your son. e Kristie <nurse972001@...> wrote: My insurance company is giving me a hard time and I have called so many insurance companies in the last few days an nobody will insure my son because he has a preexisting condition............JRA. Anyone out there have any suggestions??? Kristie --------------------------------- Want to start your own business? Learn how on Small Business. Quote Link to comment Share on other sites More sharing options...
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