RE: pre-existing condition health insurance? HIPPA

[Guest guest]

Thank you thank you!

I actually went to the Blue cross blue shield site last night and with

their numbers put together a spread sheet to determine what the best

deductible/monthly cost would be if I elect a PPO: folks, across the

board, regardless of your medical costs - cause I did a whole lot of

variances - the best deal is the $1000 deductible. For my age the

monthly premium is $132 (and I'm no spring chicken), but that is a whole

lot less than the $650 a month that I had been told my company would

offer me (and now is not! Geez, I think I'm quite fortunate to not work

with those horrible people anymore). In fact, the Cobra option comes out

to be more than twice the cost of going and getting my own insurance.

I'm glad to hear about the HIPPA regulation and I will ask my lawyer to

ask the employers for that letter.

If anyone wants a copy of the spreadsheet I did (very simple

calculations, but really helpful if you are weighing your options) I'm

more than happy to send it so contact me privately if you are

interested.

Anne

> -----Original Message-----

> From:

> [mailto: ] On Behalf Of irishdrought1955

> I may not be clear on this but my understanding is the Federal law

> says that if you had creditable coverage and no breaks longer than

> 63 days that the pre exising does not apply. You have to get a

> certificate of creditable coverage from your employer or they can be

> fined.

>

> I called this number 866-444-3272 You could also try your state

> insurance commisoner.