Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 There is indeed a federal law that is in place that states that if there is no interruption of coverage - meaning you were with one company until August 31 and started another company on September 1 - then there can be NO pre ex clause enforced. The second company, if it would normally cover that condition MUST do so for you as well since there was no interruption in coverage. In other words nothing can be considered pre existing because you have been previously covered for it so it must be continued to be covered. Note that if one company's coverage stops on Aug 15th for example and the next one doesn't kick in until September 1 then pre ex clauses can be used because you did not have continuous coverage. It's federal law. Just thought you'd like to know... insurance question Date: Fri, 22 Jul 2005 02:16:42 -0000 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 This is true for health coverage through your work/etc. However, it does not apply if you are getting rid of insurance through your employer and seeking it on your own. My sister went through this recently because insurance through the company she works for just became too expensive and all of her things were considered pre-existing and her new insurance would not pay for any treatment for those issues for one year. Jenni --- wrote: > There is indeed a federal law that is in place that > states that if there is no interruption of coverage > - meaning you were with one company until August 31 > and started another company on September 1 - then > there can be NO pre ex clause enforced. The second > company, if it would normally cover that condition > MUST do so for you as well since there was no > interruption in coverage. In other words nothing > can be considered pre existing because you have been > previously covered for it so it must be continued to > be covered. > > Note that if one company's coverage stops on Aug > 15th for example and the next one doesn't kick in > until September 1 then pre ex clauses can be used > because you did not have continuous coverage. > > It's federal law. Just thought you'd like to > know... > insurance question > Date: Fri, 22 Jul 2005 02:16:42 -0000 > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Liz, I know that in Oregon, if you have pre-existing conditions (anything diagnosed by a dr. prior to new private insurance application) they will not give you private insurance. They can't pre-exist you out due to a law passed a few years ago... but they can completely deny coverage. Other members of the household may be accepted, but not the CF baby. I HATE this. Right now, myself and my daughter cannot get private insurance. She has CF treated completely and successfully by Shriners who will treat her till she's 18yo (the insurance company will never have to pay a dime for her CF treatment!!). I have PCOS which is soooo not a big deal and I'm not even being actively treated for it right now. But no go with the insurance companies at all. We've had to go on COBRA but that's up in 18mo and hellish expensive ($1200/mo for our family of 5). After that we'll be SOL if dh's company doesn't get group coverage for us. ugh! Hope your state has better laws, but who knows anymore. Call any private insurance company and just ask. Hang in there! It'll all work out. If you can get her feet fixed it's worth it though, even if you have to pay out of pocket. After the casting and initial bracing appointment there should not be a lot of appointments to pay for though. That may be some point of comfort for you I hope. Kori At 07:16 PM 7/21/2005, you wrote: >Hi, >We are likely to go out on our own for insurance soon and don't know >if my daughter's club foot will be viewed as a pre-existing condition >and either preclude us from insurance or jack our rates up. Anybody >have any info? >Thanks, >Liz > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 That's the law I'm talking about... it does say that. But what it doesn't allow for is for private insurance companies to exclude you for coverage. It's up to them to make the decision. If you go from group coverage to group coverage you cannot be excluded. And same (kind of) for private insurance... but they can flat out deny coverage. They won't pre-exist you... just won't let you be covered by them at all. Crappy law if you ask me... I'd rather be pre-existed out of treatment for a particular condition than flat out be denied. Can you tell I'm pissed off about all this? dh had cancer over 5y ago and is cancer free at the moment. He had no treatment other than the initial surgery and surveillance in that time period. But HE can be covered. I however... have PCOS and have been given a prescription in the last 5y for Metformin even though I don't take it like I'm supposed to. I'm not dying, and I'm pretty healthy overall. I'm even cycling! But I'm still to freaking SICK to get insurance coverage. GRRRRR!!! Kori At 06:56 AM 7/22/2005, you wrote: >There is indeed a federal law that is in place that states that if there >is no interruption of coverage - meaning you were with one company until >August 31 and started another company on September 1 - then there can be >NO pre ex clause enforced. The second company, if it would normally cover >that condition MUST do so for you as well since there was no interruption >in coverage. In other words nothing can be considered pre existing >because you have been previously covered for it so it must be continued to >be covered. > >Note that if one company's coverage stops on Aug 15th for example and the >next one doesn't kick in until September 1 then pre ex clauses can be used >because you did not have continuous coverage. > >It's federal law. Just thought you'd like to know... > insurance question > Date: Fri, 22 Jul 2005 02:16:42 -0000 > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Do you already have insurance right now? If there is no lapse in coverage, they can't exclude any pre-existing conditions. That's why people elect COBRA, as ridiculously expensive as it is... I used to be a COBRA admin in my former life.... Darby > Hi, > We are likely to go out on our own for insurance soon and don't know > if my daughter's club foot will be viewed as a pre-existing condition > and either preclude us from insurance or jack our rates up. Anybody > have any info? > Thanks, > Liz Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 that's us... no choice right now. Our COBRA is $1,148.22/mo for the 5 of us. I just put the paperwork in the envelope a few minutes ago... at least dh's company is paying half. But I have absolutely been told I cannot get coverage and it's less than likely for Darbi too. Even with previous coverage. They just won't underwrite us. No, they can't exclude for pre-existing... but no one will cover us either. After COBRA runs out we have the option for OMIP (Oregon Medical Insurance Pool) through Blue Cross but that's pretty expensive too. For Dirk and I just the two of us it was over $650. Plus we let that coverage lapse so we aren't even eligible for it for 1 yr from that lapse date. So if we couldn't pay for the COBRA we would have absolutely no options whatsoever. Oregon Health Plan isn't accepting adults anymore either (unless you're pg). And the insurance assistance program here states you have to be without coverage for 6mo before they'll help you. Why do they make it so difficult anyway? Who can pay the COBRA in the first place? We're getting half of it reimbursed but without, I sure couldn't afford that payment every month. Kori At 10:08 AM 7/22/2005, you wrote: >Do you already have insurance right now? If there is no lapse in >coverage, they can't exclude any pre-existing conditions. > >That's why people elect COBRA, as ridiculously expensive as it is... I >used to be a COBRA admin in my former life.... > >Darby > > > > Hi, > > We are likely to go out on our own for insurance soon and don't know > > if my daughter's club foot will be viewed as a pre-existing >condition > > and either preclude us from insurance or jack our rates up. Anybody > > have any info? > > Thanks, > > Liz > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 It's ironic - you lose your job then your insurance premiums go up 1000%....I don't know why they make it so hard. I hated working as a COBRA admin by the way... " You were a day late on your payment so you lose your insurance, even though you are dying of cancer. I'm very sorry " Not a fun field to work in. Even less fun to pay for. > > > Hi, > > > We are likely to go out on our own for insurance soon and don't know > > > if my daughter's club foot will be viewed as a pre-existing > >condition > > > and either preclude us from insurance or jack our rates up. Anybody > > > have any info? > > > Thanks, > > > Liz > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Liz, Do you mean COBRA in between jobs, or self-insured as a small company or self-employed person? Check (and double check) with your current insurance company and, if possible, with your state insurance board and whatever new insurer you're planning on using, but I'm pretty sure that as long as you don't have more than a 30-day lapse in coverage, they cannot deny anything as a pre-existing condition. Be careful and take care, Pamela Karydas > Hi, > We are likely to go out on our own for insurance soon and don't know > if my daughter's club foot will be viewed as a pre-existing condition > and either preclude us from insurance or jack our rates up. Anybody > have any info? > Thanks, > Liz Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Excellent. Thanks for the info. > >Reply-To: nosurgery4clubfoot >To: <nosurgery4clubfoot > >Subject: Re: insurance question >Date: Fri, 22 Jul 2005 09:56:20 -0400 > >There is indeed a federal law that is in place that states that if there is >no interruption of coverage - meaning you were with one company until >August 31 and started another company on September 1 - then there can be >NO pre ex clause enforced. The second company, if it would normally cover >that condition MUST do so for you as well since there was no interruption >in coverage. In other words nothing can be considered pre existing because >you have been previously covered for it so it must be continued to be >covered. > >Note that if one company's coverage stops on Aug 15th for example and the >next one doesn't kick in until September 1 then pre ex clauses can be used >because you did not have continuous coverage. > >It's federal law. Just thought you'd like to know... > insurance question > Date: Fri, 22 Jul 2005 02:16:42 -0000 > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Thanks, We likely will not go with Cobra and are looking at new insurance. Thanks for your info. Liz > >Reply-To: nosurgery4clubfoot >To: nosurgery4clubfoot >Subject: Re: insurance question >Date: Fri, 22 Jul 2005 20:55:44 -0000 > >Liz, >Do you mean COBRA in between jobs, or self-insured as a small company >or self-employed person? Check (and double check) with your current >insurance company and, if possible, with your state insurance board >and whatever new insurer you're planning on using, but I'm pretty sure >that as long as you don't have more than a 30-day lapse in coverage, >they cannot deny anything as a pre-existing condition. Be careful and >take care, Pamela Karydas > > > Hi, > > We are likely to go out on our own for insurance soon and don't know > > if my daughter's club foot will be viewed as a pre-existing >condition > > and either preclude us from insurance or jack our rates up. Anybody > > have any info? > > Thanks, > > Liz > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 is there a way to find out what the cost will be of cobra, without letting your employer know you are thinking of leaving? Thanks, Liz > >Reply-To: nosurgery4clubfoot >To: nosurgery4clubfoot >Subject: Re: insurance question >Date: Fri, 22 Jul 2005 17:08:41 -0000 > >Do you already have insurance right now? If there is no lapse in >coverage, they can't exclude any pre-existing conditions. > >That's why people elect COBRA, as ridiculously expensive as it is... I >used to be a COBRA admin in my former life.... > >Darby > > > > Hi, > > We are likely to go out on our own for insurance soon and don't know > > if my daughter's club foot will be viewed as a pre-existing >condition > > and either preclude us from insurance or jack our rates up. Anybody > > have any info? > > Thanks, > > Liz > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 22, 2005 Report Share Posted July 22, 2005 Kori, Thanks for the info. I would happily pay out of pocket for the treatment but the issue i am most afraid of is the one you raised. She literally will be marked for life by having had the treatment, and so will we. Liz > >Reply-To: nosurgery4clubfoot >To: nosurgery4clubfoot >Subject: Re: insurance question >Date: Fri, 22 Jul 2005 08:18:42 -0700 > >Liz, > >I know that in Oregon, if you have pre-existing conditions (anything >diagnosed by a dr. prior to new private insurance application) they will >not give you private insurance. They can't pre-exist you out due to a law >passed a few years ago... but they can completely deny coverage. Other >members of the household may be accepted, but not the CF baby. I HATE >this. Right now, myself and my daughter cannot get private insurance. She >has CF treated completely and successfully by Shriners who will treat her >till she's 18yo (the insurance company will never have to pay a dime for >her CF treatment!!). I have PCOS which is soooo not a big deal and I'm not >even being actively treated for it right now. But no go with the insurance >companies at all. We've had to go on COBRA but that's up in 18mo and >hellish expensive ($1200/mo for our family of 5). After that we'll be SOL >if dh's company doesn't get group coverage for us. ugh! > >Hope your state has better laws, but who knows anymore. Call any private >insurance company and just ask. > >Hang in there! It'll all work out. If you can get her feet fixed it's >worth it though, even if you have to pay out of pocket. After the casting >and initial bracing appointment there should not be a lot of appointments >to pay for though. That may be some point of comfort for you I hope. > >Kori > > > > > >At 07:16 PM 7/21/2005, you wrote: > >Hi, > >We are likely to go out on our own for insurance soon and don't know > >if my daughter's club foot will be viewed as a pre-existing condition > >and either preclude us from insurance or jack our rates up. Anybody > >have any info? > >Thanks, > >Liz > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 23, 2005 Report Share Posted July 23, 2005 Liz, Unfortunately all she needs is the diagnosis to be *marked for life*. Additionally if she's had any treatment at all for it she already is. :-( Like with me, I just got my script renewed a couple of times in the past 5y and that's all it took. With dh, he had cancer, they took it out, got it all, and that was that. They checked him out every 6mo but didn't treat him. So as long as he's cancer free technically he hasn't had either a diagnosis or treatment for it in over 5y. Even though it's a bigger issue than mine, or hers for that matter... being cancer and all... it doesn't fall into the same category. With a diagnosis even without any treatment there's still the diagnosis which indicates treatment will be needed in the future. I think you're going to be SOL either way. Do you have to go private insurance or is there an alternative? Do you have a home business that you can get private business insurance through? I know there are companies out there that do just that, offer small businesses health insurance. Because if you can get into some kind of group coverage that's when they can't pre-exist you for ANYTHING, even pregnancy. Plus it's loads cheaper. Also, check into the state's fall back program, hopefully they have one. Out here it's the OMIP I spoke about (in some post on this... somewhere lol) which wasn't too bad insurance actually. We got by on it for a couple of years before dh got laid off and I couldn't afford to pay it while he was unemployed. Then he got a job and we had to wait 90 days for group coverage. I thought having group coverage would put us back into the game with the private insurers... but come to find out it doesn't matter a bit. Then again I thought we'd be set for a while but dh got a fantastic job offer (work at home, regional sales mgr. for a mfr. - can you tell I'm proud!) but they don't have group coverage yet. They do pay half though and it's supposed to be on the way (have I heard that before?? That's the reason we're stuck in this insurance hell hole in the first place, an employer telling us they were going to get group coverage for 2y and then laying him off... grrrr....) Way back then I thought I messed the insurance up by not applying for private insurance in time but I really didn't. We never would have got it back then either. I think each state is different, so perhaps the group coverage will help you phase into private insurance in your state. I sure hope so. Being uninsurable really sucks. The woman I talked to said she'd had people not be underwritten for having heartburn. What a word we live in where they won't pay for the things that people need them for just to live life. We pay the premiums which in most cases of these minor things outweigh any costs they incur over the span of the coverage. With the deductibles and percentages... Good Lord don't tell me they can't pay for some prilosec for some poor person with heartburn... like that's going to break them. Good luck with your insurance, let us know how it goes. If Shriners can treat her (they can and will - don't worry about acceptance, it's easy), and you can get to St. Louis I think that'd be the way I'd go regardless. In the end, what matters most is she gets good care and you can get it for free there with one of the best of the best. Kori At 09:09 PM 7/22/2005, you wrote: >Kori, >Thanks for the info. I would happily pay out of pocket for the treatment but >the issue i am most afraid of is the one you raised. She literally will be >marked for life by having had the treatment, and so will we. >Liz > > > > >Reply-To: nosurgery4clubfoot > >To: nosurgery4clubfoot > >Subject: Re: insurance question > >Date: Fri, 22 Jul 2005 08:18:42 -0700 > > > >Liz, > > > >I know that in Oregon, if you have pre-existing conditions (anything > >diagnosed by a dr. prior to new private insurance application) they will > >not give you private insurance. They can't pre-exist you out due to a law > >passed a few years ago... but they can completely deny coverage. Other > >members of the household may be accepted, but not the CF baby. I HATE > >this. Right now, myself and my daughter cannot get private insurance. She > >has CF treated completely and successfully by Shriners who will treat her > >till she's 18yo (the insurance company will never have to pay a dime for > >her CF treatment!!). I have PCOS which is soooo not a big deal and I'm not > >even being actively treated for it right now. But no go with the insurance > >companies at all. We've had to go on COBRA but that's up in 18mo and > >hellish expensive ($1200/mo for our family of 5). After that we'll be SOL > >if dh's company doesn't get group coverage for us. ugh! > > > >Hope your state has better laws, but who knows anymore. Call any private > >insurance company and just ask. > > > >Hang in there! It'll all work out. If you can get her feet fixed it's > >worth it though, even if you have to pay out of pocket. After the casting > >and initial bracing appointment there should not be a lot of appointments > >to pay for though. That may be some point of comfort for you I hope. > > > >Kori > > > > > > > > > > > >At 07:16 PM 7/21/2005, you wrote: > > >Hi, > > >We are likely to go out on our own for insurance soon and don't know > > >if my daughter's club foot will be viewed as a pre-existing condition > > >and either preclude us from insurance or jack our rates up. Anybody > > >have any info? > > >Thanks, > > >Liz > > > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 23, 2005 Report Share Posted July 23, 2005 Thanks Kori for you all of your info. As she still has not been dx with club foot, it is a long story and how we ended up doing this treatment at 18 months - I am tempted to pay for treatment out of pocket to protect her future insurability. My husband currenlty works for a company but is considering going out on his own - therefore the no group thing - but your suggestion is a good one with regard to looking for a group. My concern too is for her long term - she will carry this problem (dx) without risk forever. Sorry for your troubles - it sounds like it has been a nightmare of a roller coaster. It is such a game - just don't ever get sick or go to the dr. I guess is the moral - so you can pay for insurance you'll never use. Liz > >Reply-To: nosurgery4clubfoot >To: nosurgery4clubfoot >Subject: Re: insurance question >Date: Fri, 22 Jul 2005 23:27:47 -0700 > >Liz, > >Unfortunately all she needs is the diagnosis to be *marked for >life*. Additionally if she's had any treatment at all for it she already >is. :-( Like with me, I just got my script renewed a couple of times in >the past 5y and that's all it took. With dh, he had cancer, they took it >out, got it all, and that was that. They checked him out every 6mo but >didn't treat him. So as long as he's cancer free technically he hasn't had >either a diagnosis or treatment for it in over 5y. Even though it's a >bigger issue than mine, or hers for that matter... being cancer and >all... it doesn't fall into the same category. With a diagnosis even >without any treatment there's still the diagnosis which indicates treatment >will be needed in the future. I think you're going to be SOL either way. > >Do you have to go private insurance or is there an alternative? Do you >have a home business that you can get private business insurance >through? I know there are companies out there that do just that, offer >small businesses health insurance. Because if you can get into some kind >of group coverage that's when they can't pre-exist you for ANYTHING, even >pregnancy. Plus it's loads cheaper. Also, check into the state's fall >back program, hopefully they have one. Out here it's the OMIP I spoke >about (in some post on this... somewhere lol) which wasn't too bad >insurance actually. We got by on it for a couple of years before dh got >laid off and I couldn't afford to pay it while he was unemployed. Then he >got a job and we had to wait 90 days for group coverage. I thought having >group coverage would put us back into the game with the private >insurers... but come to find out it doesn't matter a bit. Then again I >thought we'd be set for a while but dh got a fantastic job offer (work at >home, regional sales mgr. for a mfr. - can you tell I'm proud!) but they >don't have group coverage yet. They do pay half though and it's supposed >to be on the way (have I heard that before?? That's the reason we're stuck >in this insurance hell hole in the first place, an employer telling us they >were going to get group coverage for 2y and then laying him >off... grrrr....) Way back then I thought I messed the insurance up by not >applying for private insurance in time but I really didn't. We never would >have got it back then either. I think each state is different, so perhaps >the group coverage will help you phase into private insurance in your >state. I sure hope so. Being uninsurable really sucks. The woman I >talked to said she'd had people not be underwritten for having >heartburn. What a word we live in where they won't pay for the things that >people need them for just to live life. We pay the premiums which in most >cases of these minor things outweigh any costs they incur over the span of >the coverage. With the deductibles and percentages... Good Lord don't >tell me they can't pay for some prilosec for some poor person with >heartburn... like that's going to break them. > >Good luck with your insurance, let us know how it goes. If Shriners can >treat her (they can and will - don't worry about acceptance, it's easy), >and you can get to St. Louis I think that'd be the way I'd go >regardless. In the end, what matters most is she gets good care and you >can get it for free there with one of the best of the best. > >Kori > > > > > >At 09:09 PM 7/22/2005, you wrote: > >Kori, > >Thanks for the info. I would happily pay out of pocket for the treatment >but > >the issue i am most afraid of is the one you raised. She literally will >be > >marked for life by having had the treatment, and so will we. > >Liz > > > > > > > >Reply-To: nosurgery4clubfoot > > >To: nosurgery4clubfoot > > >Subject: Re: insurance question > > >Date: Fri, 22 Jul 2005 08:18:42 -0700 > > > > > >Liz, > > > > > >I know that in Oregon, if you have pre-existing conditions (anything > > >diagnosed by a dr. prior to new private insurance application) they >will > > >not give you private insurance. They can't pre-exist you out due to a >law > > >passed a few years ago... but they can completely deny coverage. >Other > > >members of the household may be accepted, but not the CF baby. I HATE > > >this. Right now, myself and my daughter cannot get private insurance. >She > > >has CF treated completely and successfully by Shriners who will treat >her > > >till she's 18yo (the insurance company will never have to pay a dime >for > > >her CF treatment!!). I have PCOS which is soooo not a big deal and I'm >not > > >even being actively treated for it right now. But no go with the >insurance > > >companies at all. We've had to go on COBRA but that's up in 18mo and > > >hellish expensive ($1200/mo for our family of 5). After that we'll be >SOL > > >if dh's company doesn't get group coverage for us. ugh! > > > > > >Hope your state has better laws, but who knows anymore. Call any >private > > >insurance company and just ask. > > > > > >Hang in there! It'll all work out. If you can get her feet fixed it's > > >worth it though, even if you have to pay out of pocket. After the >casting > > >and initial bracing appointment there should not be a lot of >appointments > > >to pay for though. That may be some point of comfort for you I hope. > > > > > >Kori > > > > > > > > > > > > > > > > > >At 07:16 PM 7/21/2005, you wrote: > > > >Hi, > > > >We are likely to go out on our own for insurance soon and don't know > > > >if my daughter's club foot will be viewed as a pre-existing condition > > > >and either preclude us from insurance or jack our rates up. Anybody > > > >have any info? > > > >Thanks, > > > >Liz > > > > > > > > > > > > > > > > > > > > > > > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 23, 2005 Report Share Posted July 23, 2005 Liz- You can talk to your HR department or representative or whomever handles the benefits. Basically-your COBRA payment is the monthly payment that combines your donation(as I like to call it) as well as what the company pays. I work for a university-and they consider our health insurance as part of our " complete compensation " so they freely give out the information so that you can feel that you are being paid more-if that makes sense. I would just ask whomever handles your benefits if you could know what your company contributes towards your health insurance. Hope this helps! kathleen > > > Hi, > > > We are likely to go out on our own for insurance soon and don't know > > > if my daughter's club foot will be viewed as a pre-existing > >condition > > > and either preclude us from insurance or jack our rates up. Anybody > > > have any info? > > > Thanks, > > > Liz > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Hi, Does anyone know if CIGNA covers the Markell boots? Thanks Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Hi, Does anyone know if CIGNA covers the Markell boots? Thanks Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Marcia, Thanks for the info. Did you get the white shoes w/red bar? THat is what we have and we have only had them for a month when I called Cigna they told me that they were 100% covered. I hate the white shoes and would like to get the Markell boots that look like Birkenstocks. I will call and find out if they cover. We are in Phx, Az and we are going to see Dr. Ponsetti for the first time (YIPEE!) in August thanks to a wonderful member and friend that I met in this forum. I am hoping that CIgna will cover his visit as well. Let me know what happens! Take care (mom of Diego BC) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Marcia, Thanks for the info. Did you get the white shoes w/red bar? THat is what we have and we have only had them for a month when I called Cigna they told me that they were 100% covered. I hate the white shoes and would like to get the Markell boots that look like Birkenstocks. I will call and find out if they cover. We are in Phx, Az and we are going to see Dr. Ponsetti for the first time (YIPEE!) in August thanks to a wonderful member and friend that I met in this forum. I am hoping that CIgna will cover his visit as well. Let me know what happens! Take care (mom of Diego BC) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 THanks ! Of course they are a medical necessity! I tell you these insurance companies do like to get paid each month but when it comes time to use the coverage that they provide they make it so difficult! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 THanks ! Of course they are a medical necessity! I tell you these insurance companies do like to get paid each month but when it comes time to use the coverage that they provide they make it so difficult! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 We have Cigna and were charged (by the orthotics company) $60 for the shoes and $110 for the bar. Cigna is saying we owe a little over $80 total. I am having a hard time reading the photocopy the orthotics company sent so I'm not sure the reasoning behind this. I need to make some phone calls on Monday. Just got the " bill " in the mail on Friday. Marcia Re: insurance question Hi, Does anyone know if CIGNA covers the Markell boots? Thanks Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 We have Cigna and were charged (by the orthotics company) $60 for the shoes and $110 for the bar. Cigna is saying we owe a little over $80 total. I am having a hard time reading the photocopy the orthotics company sent so I'm not sure the reasoning behind this. I need to make some phone calls on Monday. Just got the " bill " in the mail on Friday. Marcia Re: insurance question Hi, Does anyone know if CIGNA covers the Markell boots? Thanks Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Liz- Yes...your insurance carrier can tell you how much you would pay on Cobra. > > > Hi, > > > We are likely to go out on our own for insurance soon and don't know > > > if my daughter's club foot will be viewed as a pre-existing > >condition > > > and either preclude us from insurance or jack our rates up. Anybody > > > have any info? > > > Thanks, > > > Liz > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 24, 2005 Report Share Posted July 24, 2005 Liz- Yes...your insurance carrier can tell you how much you would pay on Cobra. > > > Hi, > > > We are likely to go out on our own for insurance soon and don't know > > > if my daughter's club foot will be viewed as a pre-existing > >condition > > > and either preclude us from insurance or jack our rates up. Anybody > > > have any info? > > > Thanks, > > > Liz > > > > Quote Link to comment Share on other sites More sharing options...
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