RE: Insurance Questions - A great big rip off!!!!!

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January 6, 2003

and Connie,

Thank you so much for providing me this information. Today I did some

research on the topic and I think I am now changing my mind AGAIN. I really

do not think I can get out of the Air Force considering the Health Insurance

issue. Basically with the Air Force I know I will always have medical

insurance no questions asked. The problem is do I want to do something for

the next 10 years that I have no desire doing. What a question and problem.

Thanks everyone, you have no idea how good it is to talk to you guys about

this stuff. My spirits are good!

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 7, 2003

Thanks , Gosh, I guess that I went a little overboard with my message.

I actually think that steam was rolling from my keys as I was typing it's so

frustrating. Insurance is such a sore subject with me. My main reason for

asking for it with my job, was more to protect myself and my family for the

expenses of dialysis or transplant by having a primary and then a secondary

insurance to help cover the gaps.

Please excuse my ignorance if this is worldwide, but here in the US there is

a plan called AFLAC and it pays you if you have a major medical problem

providing that you have that specific coverage and even they denied me for

heart attack coverage stating that with a major organ disease they would not

cover another major organ because of the stress to the heart from kidney

disease. So this is why I really cautioned to be careful and check

out all of his options before he makes the final decision.

Overall I've been lucky, I've had continuous coverage, but I just hope that

the bottom doesn't fall out! Thanks for the uplifting message and letting

me scream and shout! Connie, USA

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 7, 2003

Connie,

Please don't apologize. I am really glad that you shared your experience

with us. The whole reason for this group is to be able to share our

experiences so that we all can learn from them. As a group we are much

stronger than if we were alone. I know me personally, your story helped me

more than words can express. Honestly, without your story I would have made

a grave mistake. THANK YOU!

(Oklahoma)

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

> http://groups.yahoo.com/group/iga-nephropathy/

Visit our companion website at www.igan.ca

January 7, 2003

Connie,

The steam rolling off your keys can be a very useful thing. I was

unfamiliar with AFLAC. Now I have something new to look into!

Many thanks!.

Cy

Insurance Question

>

> Hello everyone,

>

> The board came back with the same verdict as before. It looks like I am

> grounded and it looks like I am going to be getting out of the military.

> My

> question is, has anyone had a difficult time getting health insurance

> with

> IgAN. I know the question of life insurance has been discussed but I

> don't

> remember health insurance. The reason I am asking is that I think my

> wife

> and I have decided that it would be in my best interest to get out of

> the

> military. The only negative would be medical insurance. If I stay in

> the

> military I would basically have medical insurance for the rest of my

> life.

> If I get out I would be dependant upon the medical insurance of the

> company

> that I work for. I will have a service connect disability, meaning that

> I

> will have the benefit of using the Veteran Hospital at free of charge

> for

> the rest of my life. So I do have medical insurance per say. The only

> problem with that is that the quality of care at the VA is sometimes

> very

> minimal. I just don't want to have to rely on the VA for treatment. My

> other concern is if I do progress to End Stage how will the medical

> insurance work. Are there any programs available that would help me

> with

> medical care? Thanks for your help.

>

> (Oklahoma)

>

> To edit your settings for the group, go to our Yahoo Group

> home page:

> Visit our companion website at www.igan.ca

>

January 7, 2003

, You are welcome, I just hope that you're still thanking me in a few

months and not cussing me! >!@``**>%< & ! Even if I walked up to you today,

you don't know who I am, so you can't punch me in the nose! :) Keep us

posted about the Federal job search! Connie, USA

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 8, 2003

Connie, I would never do that to you. Thankfully I have 1 more year left

in the military. I just had to make the decision now because when the

re-training package is presented to me I am going to turn it down. Turning

the training down would force me to get out when my time is up. The reason

I said thankfully about having 1 more year is that I know the job market is

very tough and hopefully it will improve in 1 year.

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 8, 2003

Hi

Isnt there some other branch that you could transfer to? I know the RAF have

100s of things or if not the USAF could you get an attachment to another

service just to make the best of a bad job? I'm sorry if it sounds flippant

I'm just glad not to be in your predicament

W

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 8, 2003

suprisingly enough it often does, I'm in a job now that I wouldn't have

given a thought to previously and all I can say is I wish Id done it 10

years ago!!

Anyway you know we're here and pulling for you!

W

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 8, 2003

,

Thank you so much for the thought. Actually I think I could change branches

but the problem is that I have no desire. After weighting all the options I

think working for the government in a different capacity than the military

is the best thing for my family. Right now I have no intention of burning

any bridges which means my plans are between me, my wife, and this group.

Who knows maybe something good will come of this whole mess.

----Original Message-----

From: Woollard

Sent: Wednesday, January 08, 2003 2:59 PM

To: iga-nephropathy

Subject: Re: Insurance Questions - A great big rip off!!!!!

Hi

Isnt there some other branch that you could transfer to? I know the RAF have

100s of things or if not the USAF could you get an attachment to another

service just to make the best of a bad job? I'm sorry if it sounds flippant

I'm just glad not to be in your predicament

W

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page:

Visit our companion website at www.igan.ca

January 8, 2003

Thank you so much. The great thing is that I know you all know what I am

going through. When I try to talk to my friends they usually just stare at

me and don't know what to say. It is really uncomfortable talking to other

people that don't know what it is like to deal with this disease and its

complications. Thanks again!

Re: Insurance Questions - A great big rip off!!!!!

suprisingly enough it often does, I'm in a job now that I wouldn't have

given a thought to previously and all I can say is I wish Id done it 10

years ago!!

Anyway you know we're here and pulling for you!

W

Insurance Question

Hello everyone,

The board came back with the same verdict as before. It looks like I am

grounded and it looks like I am going to be getting out of the military.

My

question is, has anyone had a difficult time getting health insurance

with

IgAN. I know the question of life insurance has been discussed but I

don't

remember health insurance. The reason I am asking is that I think my

wife

and I have decided that it would be in my best interest to get out of

the

military. The only negative would be medical insurance. If I stay in

the

military I would basically have medical insurance for the rest of my

life.

If I get out I would be dependant upon the medical insurance of the

company

that I work for. I will have a service connect disability, meaning that

I

will have the benefit of using the Veteran Hospital at free of charge

for

the rest of my life. So I do have medical insurance per say. The only

problem with that is that the quality of care at the VA is sometimes

very

minimal. I just don't want to have to rely on the VA for treatment. My

other concern is if I do progress to End Stage how will the medical

insurance work. Are there any programs available that would help me

with

medical care? Thanks for your help.

(Oklahoma)

To edit your settings for the group, go to our Yahoo Group

home page: