Re: pre-existing conditions

[Guest guest]

Dash,

Thank you so much for responding. I have been waiting since Dec. for insurance

to go back to doctors. I havent seen a doctor since Nov. Yes my hands and

fingers get cold and turn white and hard. But I have no idea why. The only

thing that I am being treated for that they have mentioned, is the FMS and

depression, everything else was diagnosed just as I lost my own insurance. I

have very high BP averaging around 162/112 sometimes a little lower and other

times as high as 190/130 something like that. The low thyroid was also

diagnosed just as I lost the insurance. I lost my insurance because I lost my

job. Long story there. As far as where I live .. I live in Arizona.

Norene

[Guest guest]

Norene,

I'm so sorry, what a letdwn!

Pre-existing conditions are problems/diseases the ins company finds

that you have been treated for in the past (specified time frame

usually 1-2 years). A lot of these insurances have the pre-existing

condition clause that is in effect for about a year or so after you

become eligible for their insurance coverage. After that time,

sometimes they will pay. Call the company and ask questions about

time frames and how long they will exclude those conditions from

coverage.

God Bless,

a

> Well, first we get notice that I am covered with my husbands

insurance and now I receive a letter saying that they will not cover

Hypetenison, hypthyroidism, fbromyalgia, raynaud's phenomenon (which

I have no idea what is), and depression. Anyone have any ideas of

what I should do now, I would greatly appreciate it.

> Norene

>

>

>

[Guest guest]

They won't cover now or never? Depends on what the policy reads about

preexisting conditions. This is a rider on the ins... which makes it almost

worthless.. for anythiing but cuts, broken legs, anything that they can't push

off onto these diseases...... They must have found those things in your records.

This means they will take your premiums but anything they can relate to any of

these they will not pay. Raynauds must be someting alluded to in your records.

I think it is when your hands go cold. Do you have a 'state risk' insurance?

Sounds to me like you have to get onto something else. What state do u live in?

This is a real bummer and let down. Even a heart attack can be blamed on

hypertension. I am on state risk ins.. expensive but if you can get it you are

still lucky. Depends on the state and what is available to you. So sorry to

hear this.......dash

pre-existing conditions

Well, first we get notice that I am covered with my husbands insurance and now

I receive a letter saying that they will not cover Hypetenison, hypthyroidism,

fbromyalgia, raynaud's phenomenon (which I have no idea what is), and

depression. Anyone have any ideas of what I should do now, I would greatly

appreciate it.

Norene

[Guest guest]

yOU AREwelcome .... someone said that sometimes these are for a time... maybe a

year. Each policy is different. You need to get ahold of the INS. company.

There must be a number for customer service and when u get the policy sit down

and read that part about pre existing. Call the customer service also and find

out what they say. Explain.. your situation. These are just women working ...

they have ins problems of their own and are usually very accomodating. They

work for the ins co but they are compassionate for real people.

I know a lot about this cus my husband's company switched ins cos about 6 times

last place he worked and I was under in my 45 years of marriage probably about

15-20 different companies. You can't get specific information from anyone

except the ins co that you have.

Meanwhile research if Arizona has any state ins. but now that you are under

this.... am not sure how that would work either... what a damned bummer. At any

rate ... find out.. I would go up the chain, and if you can't get any help call

your congressman. Our congressman has an office nearby and I happen to know the

lady that mans the office. I have called quite a few times with questions,

needs and opinions. They can at least let you know what is available in

Arizona. Keep us posted. dash

Re: pre-existing conditions

Dash,

Thank you so much for responding. I have been waiting since Dec. for

insurance to go back to doctors. I havent seen a doctor since Nov. Yes my

hands and fingers get cold and turn white and hard. But I have no idea why.

The only thing that I am being treated for that they have mentioned, is the FMS

and depression, everything else was diagnosed just as I lost my own insurance.

I have very high BP averaging around 162/112 sometimes a little lower and other

times as high as 190/130 something like that. The low thyroid was also

diagnosed just as I lost the insurance. I lost my insurance because I lost my

job. Long story there. As far as where I live .. I live in Arizona.

Norene