Re: questions on switching insurance???

[Guest guest]

I am pretty ignorant in this area, but I know that some states have

laws that forbid insurance companies to deny based on pre-existing

conditions. WA is one of them. I don't know ANY of the details,

though! Sorry, this probably is no help, but it's all I got.

, 22 mos, DOC Grad 9.7

> Hello to all. Recently I had asked questions on how to qualify for

> programs such as Medical or Healthy Families and I want to thank

> every one who responded. My husband recently got a new job and will

> start in a few weeks. It is a family owned business and his mom

> works as the business manager. Since my husband is like family to

> the owners they are paying 100% of our insurance at no cost to us

> for my husband, my self, and the baby. I guess my new question is

> now that 's other doctors (the Opthalmologist and the

> Neurologist) stated that she has Optic Nerve Hypoplasia and Central

> Hypotonia is that going to affect the new insurance policy? Two of

> her main doctors are in the new medical group so we wont have to

> change too meny things. Should I worry that the new insurance won't

> accept her? We will be switching from HealthNet to

BlueCross/Shield.

> Any info would be of great help.

>

>

> mom to S., CA

> -ONH

> -Central Hypotonia

> -Torticollis (resolved)

> -Brachy/Plagio soon to be DOCbanded

[Guest guest]

,

I know that this is easier said than done but try not to worry about

the unknown. Think about what is the worst case scenario and then

what would you do to overcome it. Break it down and think about it

and it will help you cope better. You could possibly try calling

your State Ins. Dept. and see if you can ask someone there. I'm not

sure about this but could you call member services of BC/BS and ask

the general question. Perhaps they might know immediately that it is

illegal to deny you coverage. GL and please let us know.

Sue

Colin F.

STARband grad 9/15/04

Buffalo, NY

> Hello to all. Recently I had asked questions on how to qualify for

> programs such as Medical or Healthy Families and I want to thank

> every one who responded. My husband recently got a new job and will

> start in a few weeks. It is a family owned business and his mom

> works as the business manager. Since my husband is like family to

> the owners they are paying 100% of our insurance at no cost to us

> for my husband, my self, and the baby. I guess my new question is

> now that 's other doctors (the Opthalmologist and the

> Neurologist) stated that she has Optic Nerve Hypoplasia and Central

> Hypotonia is that going to affect the new insurance policy? Two of

> her main doctors are in the new medical group so we wont have to

> change too meny things. Should I worry that the new insurance won't

> accept her? We will be switching from HealthNet to

BlueCross/Shield.

> Any info would be of great help.

>

>

> mom to S., CA

> -ONH

> -Central Hypotonia

> -Torticollis (resolved)

> -Brachy/Plagio soon to be DOCbanded

[Guest guest]

,

I have very limited information regarding this. My husband's

company just changed insurance carriers mid year. It took 2 months

for me to finally get the " in network " go ahead and had

her banding appt. Aug 31, 2004. The new insuraance started September

1, 2004. CT used the banding date as date of service , even though

adjustments will be made for months to come. My concern was would

she be covered if she needed a second band. I was told they had to

cover her pre-existing condition, if two conditions were met.

First, there could not be any lapse in coverage. Second, I have to

fill out a form for her pre-existing condition. I don't know what

the laws are on this or if it varies from state to state. This is

what my new insurance company and my husband's Human Resource Dept

told me. I'd call your new insurance carrier and ask them what they

will require.

Good luck,

Dianna

Mom to Chrisitna

DOC Band 9/13

plagio/brachy

Plagiocephaly , " sueandcolin2004 " <justsue5@h...>

wrote:

> ,

>

> I know that this is easier said than done but try not to worry

about

> the unknown. Think about what is the worst case scenario and then

> what would you do to overcome it. Break it down and think about it

> and it will help you cope better. You could possibly try calling

> your State Ins. Dept. and see if you can ask someone there. I'm

not

> sure about this but could you call member services of BC/BS and

ask

> the general question. Perhaps they might know immediately that it

is

> illegal to deny you coverage. GL and please let us know.

>

> Sue

> Colin F.

> STARband grad 9/15/04

> Buffalo, NY

>

>

> > Hello to all. Recently I had asked questions on how to qualify

for

> > programs such as Medical or Healthy Families and I want to thank

> > every one who responded. My husband recently got a new job and

will

> > start in a few weeks. It is a family owned business and his mom

> > works as the business manager. Since my husband is like family

to

> > the owners they are paying 100% of our insurance at no cost to

us

> > for my husband, my self, and the baby. I guess my new question

is

> > now that 's other doctors (the Opthalmologist and the

> > Neurologist) stated that she has Optic Nerve Hypoplasia and

Central

> > Hypotonia is that going to affect the new insurance policy? Two

of

> > her main doctors are in the new medical group so we wont have to

> > change too meny things. Should I worry that the new insurance

won't

> > accept her? We will be switching from HealthNet to

> BlueCross/Shield.

> > Any info would be of great help.

> >

> >

> > mom to S., CA

> > -ONH

> > -Central Hypotonia

> > -Torticollis (resolved)

> > -Brachy/Plagio soon to be DOCbanded

[Guest guest]

Hey

As long as you guys (the baby) was insured for 90 days before taking

the new insurance it is against the law to do a pre existing

condition. So don't let them tell you any different. They cannot

deny paying for the conditions has. I was in a similar

situation (being diabetic) I found all this out, and just to let you

know... insurance might try to tell you otherwise

Sandy Willow's Mom

torticollis resolved

Cranio Germany Grad

> Hello to all. Recently I had asked questions on how to qualify for

> programs such as Medical or Healthy Families and I want to thank

> every one who responded. My husband recently got a new job and will

> start in a few weeks. It is a family owned business and his mom

> works as the business manager. Since my husband is like family to

> the owners they are paying 100% of our insurance at no cost to us

> for my husband, my self, and the baby. I guess my new question is

> now that 's other doctors (the Opthalmologist and the

> Neurologist) stated that she has Optic Nerve Hypoplasia and Central

> Hypotonia is that going to affect the new insurance policy? Two of

> her main doctors are in the new medical group so we wont have to

> change too meny things. Should I worry that the new insurance won't

> accept her? We will be switching from HealthNet to

BlueCross/Shield.

> Any info would be of great help.

>

>

> mom to S., CA

> -ONH

> -Central Hypotonia

> -Torticollis (resolved)

> -Brachy/Plagio soon to be DOCbanded