Fibroids and individual health insurance

[Guest guest]

Some people do luck out on insurance. I had an individual policy

with a major company for 11 years. They elected to discontinue

coverage for EVERYONE in my state.

I allowed the present company to send my records to a company that

was supposed to allow people coverage without pre-existing conditions

as a courtesy to the subscribers.

I was turned down. When I FINALLY got the reason why (thanx to

quoting the HIPPA regulation about disclosure) one of the reasons was

for fibroids. I had a UAE in Nov 2001, a followup MRI in March 2002

and nothing further is going to be done with them. The application

was made in July 2003. So while I had nothing fibroid related for

more than 12 months--that was a reason for turning me down.

To whom ever posted from California. Consider yourself lucky on the

HIPPA rates from BC/BS. I'm now in the " high-risk " insurance

grouping due to the fibroids and some back surgery plus a few other

things. The rates--which are NOT age dependent--$533 for one month.

Of course--there is no-pre=existing condition clause so any treatment

I've received in the past year doesn't count against me. I asked

about perhaps changing, after a year, to a cheaper policy---no way.

There's GOT to be a better way for those of us on the open insurance

market!!! I'll now spend close to $7000 a year on premiums (BC/BS

has asked to raise the rate to over $600 a month), plus a deductible

of $750 PLUS 20% of out-patient fees. There is a $25,000 a year

limit on out-patient services (drs fees, drugs, physical therapy) and

I've got to find out all the details of what happens if you DO have

surgery.