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bittyhorse23
02-11-2008, 03:52 PM
I was wondering if anyone on here wW/ CF has their own private insurance that is NOT through work, or through a spouse. I am thinking of looking into getting my own insurance instead of worrying about state and federal help. Skye's post about medicare really has me worried I will not be able to cover everything and basically be completely finacially screwed. I don't have a hubby to rely on and I am too old to be on my mom's work insurace.

I just want to see if anyone has private insurance and if so which company do you go through and where are you located?

Thanks!!!

<img src="i/expressions/heart.gif" border="0">

bittyhorse23
02-11-2008, 03:52 PM
I was wondering if anyone on here wW/ CF has their own private insurance that is NOT through work, or through a spouse. I am thinking of looking into getting my own insurance instead of worrying about state and federal help. Skye's post about medicare really has me worried I will not be able to cover everything and basically be completely finacially screwed. I don't have a hubby to rely on and I am too old to be on my mom's work insurace.

I just want to see if anyone has private insurance and if so which company do you go through and where are you located?

Thanks!!!

<img src="i/expressions/heart.gif" border="0">

bittyhorse23
02-11-2008, 03:52 PM
I was wondering if anyone on here wW/ CF has their own private insurance that is NOT through work, or through a spouse. I am thinking of looking into getting my own insurance instead of worrying about state and federal help. Skye's post about medicare really has me worried I will not be able to cover everything and basically be completely finacially screwed. I don't have a hubby to rely on and I am too old to be on my mom's work insurace.

I just want to see if anyone has private insurance and if so which company do you go through and where are you located?

Thanks!!!

<img src="i/expressions/heart.gif" border="0">

bittyhorse23
02-11-2008, 03:52 PM
I was wondering if anyone on here wW/ CF has their own private insurance that is NOT through work, or through a spouse. I am thinking of looking into getting my own insurance instead of worrying about state and federal help. Skye's post about medicare really has me worried I will not be able to cover everything and basically be completely finacially screwed. I don't have a hubby to rely on and I am too old to be on my mom's work insurace.

I just want to see if anyone has private insurance and if so which company do you go through and where are you located?

Thanks!!!

<img src="i/expressions/heart.gif" border="0">

bittyhorse23
02-11-2008, 03:52 PM
I was wondering if anyone on here wW/ CF has their own private insurance that is NOT through work, or through a spouse. I am thinking of looking into getting my own insurance instead of worrying about state and federal help. Skye's post about medicare really has me worried I will not be able to cover everything and basically be completely finacially screwed. I don't have a hubby to rely on and I am too old to be on my mom's work insurace.

I just want to see if anyone has private insurance and if so which company do you go through and where are you located?

Thanks!!!

<img src="i/expressions/heart.gif" border="0">

JennifersHope
02-11-2008, 04:21 PM
Hey.. I am not exactly sure how it works.. I have private insurance through a COBRA plan and also through work but, when I was looking into just taking a policy out on my own, it was really, really tough.. I think if I remember correctly, the insurance has a right to not cover any preexisisting conditions for up to one year...

So I have heard of people working for a year, using their work insurnace and still paying out of pocket for private insurance until that year was up, and then just using the private insurance..

Like I said I am not for sure, but, also, I know many insurnace companies on a private plan have the right to just say no to you..

I wonder how it works with Short term disability that goes into long term disability.. what happends with the insurnace then? I don't know.. I will look around for you and find out what I can

JennifersHope
02-11-2008, 04:21 PM
Hey.. I am not exactly sure how it works.. I have private insurance through a COBRA plan and also through work but, when I was looking into just taking a policy out on my own, it was really, really tough.. I think if I remember correctly, the insurance has a right to not cover any preexisisting conditions for up to one year...

So I have heard of people working for a year, using their work insurnace and still paying out of pocket for private insurance until that year was up, and then just using the private insurance..

Like I said I am not for sure, but, also, I know many insurnace companies on a private plan have the right to just say no to you..

I wonder how it works with Short term disability that goes into long term disability.. what happends with the insurnace then? I don't know.. I will look around for you and find out what I can

JennifersHope
02-11-2008, 04:21 PM
Hey.. I am not exactly sure how it works.. I have private insurance through a COBRA plan and also through work but, when I was looking into just taking a policy out on my own, it was really, really tough.. I think if I remember correctly, the insurance has a right to not cover any preexisisting conditions for up to one year...

So I have heard of people working for a year, using their work insurnace and still paying out of pocket for private insurance until that year was up, and then just using the private insurance..

Like I said I am not for sure, but, also, I know many insurnace companies on a private plan have the right to just say no to you..

I wonder how it works with Short term disability that goes into long term disability.. what happends with the insurnace then? I don't know.. I will look around for you and find out what I can

JennifersHope
02-11-2008, 04:21 PM
Hey.. I am not exactly sure how it works.. I have private insurance through a COBRA plan and also through work but, when I was looking into just taking a policy out on my own, it was really, really tough.. I think if I remember correctly, the insurance has a right to not cover any preexisisting conditions for up to one year...

So I have heard of people working for a year, using their work insurnace and still paying out of pocket for private insurance until that year was up, and then just using the private insurance..

Like I said I am not for sure, but, also, I know many insurnace companies on a private plan have the right to just say no to you..

I wonder how it works with Short term disability that goes into long term disability.. what happends with the insurnace then? I don't know.. I will look around for you and find out what I can

JennifersHope
02-11-2008, 04:21 PM
Hey.. I am not exactly sure how it works.. I have private insurance through a COBRA plan and also through work but, when I was looking into just taking a policy out on my own, it was really, really tough.. I think if I remember correctly, the insurance has a right to not cover any preexisisting conditions for up to one year...

So I have heard of people working for a year, using their work insurnace and still paying out of pocket for private insurance until that year was up, and then just using the private insurance..

Like I said I am not for sure, but, also, I know many insurnace companies on a private plan have the right to just say no to you..

I wonder how it works with Short term disability that goes into long term disability.. what happends with the insurnace then? I don't know.. I will look around for you and find out what I can

NoExcuses
02-11-2008, 06:38 PM
i have a feeling you're not going to get private insurance with CF, girl.....

NoExcuses
02-11-2008, 06:38 PM
i have a feeling you're not going to get private insurance with CF, girl.....

NoExcuses
02-11-2008, 06:38 PM
i have a feeling you're not going to get private insurance with CF, girl.....

NoExcuses
02-11-2008, 06:38 PM
i have a feeling you're not going to get private insurance with CF, girl.....

NoExcuses
02-11-2008, 06:38 PM
i have a feeling you're not going to get private insurance with CF, girl.....

lilismom
02-11-2008, 06:40 PM
We got our own insurance through Assurant Health about 3 years ago when my husband got laid off. Lili had not yet been diagnosed so I don't know if you can get coverage or not. It ended up being pretty expensive for us. As a family we were paying $450 a month then there was a yearly deductible of $5300.

We just recently got insurance through my husband's company and dropped everyone except for Lili off the other plan. It may be overkill but I don't want her ever to be without insurance so as long as we can afford it we will keep it. To cover only her we are paying $106 a month with a $2600 yearly deductible.

lilismom
02-11-2008, 06:40 PM
We got our own insurance through Assurant Health about 3 years ago when my husband got laid off. Lili had not yet been diagnosed so I don't know if you can get coverage or not. It ended up being pretty expensive for us. As a family we were paying $450 a month then there was a yearly deductible of $5300.

We just recently got insurance through my husband's company and dropped everyone except for Lili off the other plan. It may be overkill but I don't want her ever to be without insurance so as long as we can afford it we will keep it. To cover only her we are paying $106 a month with a $2600 yearly deductible.

lilismom
02-11-2008, 06:40 PM
We got our own insurance through Assurant Health about 3 years ago when my husband got laid off. Lili had not yet been diagnosed so I don't know if you can get coverage or not. It ended up being pretty expensive for us. As a family we were paying $450 a month then there was a yearly deductible of $5300.

We just recently got insurance through my husband's company and dropped everyone except for Lili off the other plan. It may be overkill but I don't want her ever to be without insurance so as long as we can afford it we will keep it. To cover only her we are paying $106 a month with a $2600 yearly deductible.

lilismom
02-11-2008, 06:40 PM
We got our own insurance through Assurant Health about 3 years ago when my husband got laid off. Lili had not yet been diagnosed so I don't know if you can get coverage or not. It ended up being pretty expensive for us. As a family we were paying $450 a month then there was a yearly deductible of $5300.

We just recently got insurance through my husband's company and dropped everyone except for Lili off the other plan. It may be overkill but I don't want her ever to be without insurance so as long as we can afford it we will keep it. To cover only her we are paying $106 a month with a $2600 yearly deductible.

lilismom
02-11-2008, 06:40 PM
We got our own insurance through Assurant Health about 3 years ago when my husband got laid off. Lili had not yet been diagnosed so I don't know if you can get coverage or not. It ended up being pretty expensive for us. As a family we were paying $450 a month then there was a yearly deductible of $5300.

We just recently got insurance through my husband's company and dropped everyone except for Lili off the other plan. It may be overkill but I don't want her ever to be without insurance so as long as we can afford it we will keep it. To cover only her we are paying $106 a month with a $2600 yearly deductible.

stillkicking
02-11-2008, 07:06 PM
I looked into getting private health insurance a year and a half ago, but in every case it was automatic denial for CF as a pre-existing condition. I checked with every single insurance company that wrote in Utah - same story. I have seen a few national insurance commercials that claim they don't have any pre-exisiting condition clauses, on the one I called there was an extremely limited Dr. network and coverages. I haven't checked on any lately since I got insurance through work. Good luck!!! I think it's the Impossible Dream though.

stillkicking
02-11-2008, 07:06 PM
I looked into getting private health insurance a year and a half ago, but in every case it was automatic denial for CF as a pre-existing condition. I checked with every single insurance company that wrote in Utah - same story. I have seen a few national insurance commercials that claim they don't have any pre-exisiting condition clauses, on the one I called there was an extremely limited Dr. network and coverages. I haven't checked on any lately since I got insurance through work. Good luck!!! I think it's the Impossible Dream though.

stillkicking
02-11-2008, 07:06 PM
I looked into getting private health insurance a year and a half ago, but in every case it was automatic denial for CF as a pre-existing condition. I checked with every single insurance company that wrote in Utah - same story. I have seen a few national insurance commercials that claim they don't have any pre-exisiting condition clauses, on the one I called there was an extremely limited Dr. network and coverages. I haven't checked on any lately since I got insurance through work. Good luck!!! I think it's the Impossible Dream though.

stillkicking
02-11-2008, 07:06 PM
I looked into getting private health insurance a year and a half ago, but in every case it was automatic denial for CF as a pre-existing condition. I checked with every single insurance company that wrote in Utah - same story. I have seen a few national insurance commercials that claim they don't have any pre-exisiting condition clauses, on the one I called there was an extremely limited Dr. network and coverages. I haven't checked on any lately since I got insurance through work. Good luck!!! I think it's the Impossible Dream though.

stillkicking
02-11-2008, 07:06 PM
I looked into getting private health insurance a year and a half ago, but in every case it was automatic denial for CF as a pre-existing condition. I checked with every single insurance company that wrote in Utah - same story. I have seen a few national insurance commercials that claim they don't have any pre-exisiting condition clauses, on the one I called there was an extremely limited Dr. network and coverages. I haven't checked on any lately since I got insurance through work. Good luck!!! I think it's the Impossible Dream though.

paws
02-12-2008, 12:43 AM
I wasn't able to get "regular" health insurance either with cf. It's considered one of the "dread diseases" by insurance companies. I was able to get insurance through our state high risk pool. It costs $400 plus each month with a high deductible. Sucks, but at least it's there if I have to go in the hospital. Good Luck!

paws
02-12-2008, 12:43 AM
I wasn't able to get "regular" health insurance either with cf. It's considered one of the "dread diseases" by insurance companies. I was able to get insurance through our state high risk pool. It costs $400 plus each month with a high deductible. Sucks, but at least it's there if I have to go in the hospital. Good Luck!

paws
02-12-2008, 12:43 AM
I wasn't able to get "regular" health insurance either with cf. It's considered one of the "dread diseases" by insurance companies. I was able to get insurance through our state high risk pool. It costs $400 plus each month with a high deductible. Sucks, but at least it's there if I have to go in the hospital. Good Luck!

paws
02-12-2008, 12:43 AM
I wasn't able to get "regular" health insurance either with cf. It's considered one of the "dread diseases" by insurance companies. I was able to get insurance through our state high risk pool. It costs $400 plus each month with a high deductible. Sucks, but at least it's there if I have to go in the hospital. Good Luck!

paws
02-12-2008, 12:43 AM
I wasn't able to get "regular" health insurance either with cf. It's considered one of the "dread diseases" by insurance companies. I was able to get insurance through our state high risk pool. It costs $400 plus each month with a high deductible. Sucks, but at least it's there if I have to go in the hospital. Good Luck!

Alyssa
02-12-2008, 02:02 AM
ditto... you are not going to be able to afford going out and "buying" your own plan... the best you can hope for getting on / staying on a plan that is provided as a result of employment, whether it is your employment or someone else ... these "group" plans will cover you regardless of your diagnosis.... when you go to purchase your own plan you are "asking" someone to cover you... with a pre-existing conditions like CF it would cost you a fortune, if they would agree to do it at all.

My friend who is self employed just tried to buy her own policy and she was denied because she is taking prozac (her mother was recently killed) the insurance company said that since depression leads to many other health ailments they didn't want to insure her.

Alyssa
02-12-2008, 02:02 AM
ditto... you are not going to be able to afford going out and "buying" your own plan... the best you can hope for getting on / staying on a plan that is provided as a result of employment, whether it is your employment or someone else ... these "group" plans will cover you regardless of your diagnosis.... when you go to purchase your own plan you are "asking" someone to cover you... with a pre-existing conditions like CF it would cost you a fortune, if they would agree to do it at all.

My friend who is self employed just tried to buy her own policy and she was denied because she is taking prozac (her mother was recently killed) the insurance company said that since depression leads to many other health ailments they didn't want to insure her.

Alyssa
02-12-2008, 02:02 AM
ditto... you are not going to be able to afford going out and "buying" your own plan... the best you can hope for getting on / staying on a plan that is provided as a result of employment, whether it is your employment or someone else ... these "group" plans will cover you regardless of your diagnosis.... when you go to purchase your own plan you are "asking" someone to cover you... with a pre-existing conditions like CF it would cost you a fortune, if they would agree to do it at all.

My friend who is self employed just tried to buy her own policy and she was denied because she is taking prozac (her mother was recently killed) the insurance company said that since depression leads to many other health ailments they didn't want to insure her.

Alyssa
02-12-2008, 02:02 AM
ditto... you are not going to be able to afford going out and "buying" your own plan... the best you can hope for getting on / staying on a plan that is provided as a result of employment, whether it is your employment or someone else ... these "group" plans will cover you regardless of your diagnosis.... when you go to purchase your own plan you are "asking" someone to cover you... with a pre-existing conditions like CF it would cost you a fortune, if they would agree to do it at all.

My friend who is self employed just tried to buy her own policy and she was denied because she is taking prozac (her mother was recently killed) the insurance company said that since depression leads to many other health ailments they didn't want to insure her.

Alyssa
02-12-2008, 02:02 AM
ditto... you are not going to be able to afford going out and "buying" your own plan... the best you can hope for getting on / staying on a plan that is provided as a result of employment, whether it is your employment or someone else ... these "group" plans will cover you regardless of your diagnosis.... when you go to purchase your own plan you are "asking" someone to cover you... with a pre-existing conditions like CF it would cost you a fortune, if they would agree to do it at all.

My friend who is self employed just tried to buy her own policy and she was denied because she is taking prozac (her mother was recently killed) the insurance company said that since depression leads to many other health ailments they didn't want to insure her.

Sakem
02-12-2008, 02:25 AM
In our current health system you will never get a policy unless you get it from employment. And a lot more jobs these days are going away from providing health coverage. Great reason to be on government assistance.....Got to love this country.

Sakem
02-12-2008, 02:25 AM
In our current health system you will never get a policy unless you get it from employment. And a lot more jobs these days are going away from providing health coverage. Great reason to be on government assistance.....Got to love this country.

Sakem
02-12-2008, 02:25 AM
In our current health system you will never get a policy unless you get it from employment. And a lot more jobs these days are going away from providing health coverage. Great reason to be on government assistance.....Got to love this country.

Sakem
02-12-2008, 02:25 AM
In our current health system you will never get a policy unless you get it from employment. And a lot more jobs these days are going away from providing health coverage. Great reason to be on government assistance.....Got to love this country.

Sakem
02-12-2008, 02:25 AM
In our current health system you will never get a policy unless you get it from employment. And a lot more jobs these days are going away from providing health coverage. Great reason to be on government assistance.....Got to love this country.

jamie6girl
02-12-2008, 02:38 AM
Hey There<br><br>I've never had private insurance, but I did look into it once. I know that this may sound like common sense, but all I can say is that if you look for anything on the internet, please be careful and make sure that they are a trusted company.<br><br>One time I contacted this one company (I cannot remember the name of it now) and I requested information.. They kept calling me and emailing me, but when I asked them to send me a packet or a brochure in the mail, they said they didn't have anything to send. I told them that they didn't sound too legit if that were the case, and I then forgot about it. They called me back a couple of months ago after over a year, and I told them to loose my number. It made me realize how shady some of these "companies" are. <br><br>Good luck!

jamie6girl
02-12-2008, 02:38 AM
Hey There<br><br>I've never had private insurance, but I did look into it once. I know that this may sound like common sense, but all I can say is that if you look for anything on the internet, please be careful and make sure that they are a trusted company.<br><br>One time I contacted this one company (I cannot remember the name of it now) and I requested information.. They kept calling me and emailing me, but when I asked them to send me a packet or a brochure in the mail, they said they didn't have anything to send. I told them that they didn't sound too legit if that were the case, and I then forgot about it. They called me back a couple of months ago after over a year, and I told them to loose my number. It made me realize how shady some of these "companies" are. <br><br>Good luck!

jamie6girl
02-12-2008, 02:38 AM
Hey There<br><br>I've never had private insurance, but I did look into it once. I know that this may sound like common sense, but all I can say is that if you look for anything on the internet, please be careful and make sure that they are a trusted company.<br><br>One time I contacted this one company (I cannot remember the name of it now) and I requested information.. They kept calling me and emailing me, but when I asked them to send me a packet or a brochure in the mail, they said they didn't have anything to send. I told them that they didn't sound too legit if that were the case, and I then forgot about it. They called me back a couple of months ago after over a year, and I told them to loose my number. It made me realize how shady some of these "companies" are. <br><br>Good luck!

jamie6girl
02-12-2008, 02:38 AM
Hey There<br><br>I've never had private insurance, but I did look into it once. I know that this may sound like common sense, but all I can say is that if you look for anything on the internet, please be careful and make sure that they are a trusted company.<br><br>One time I contacted this one company (I cannot remember the name of it now) and I requested information.. They kept calling me and emailing me, but when I asked them to send me a packet or a brochure in the mail, they said they didn't have anything to send. I told them that they didn't sound too legit if that were the case, and I then forgot about it. They called me back a couple of months ago after over a year, and I told them to loose my number. It made me realize how shady some of these "companies" are. <br><br>Good luck!

jamie6girl
02-12-2008, 02:38 AM
Hey There<br><br>I've never had private insurance, but I did look into it once. I know that this may sound like common sense, but all I can say is that if you look for anything on the internet, please be careful and make sure that they are a trusted company.<br><br>One time I contacted this one company (I cannot remember the name of it now) and I requested information.. They kept calling me and emailing me, but when I asked them to send me a packet or a brochure in the mail, they said they didn't have anything to send. I told them that they didn't sound too legit if that were the case, and I then forgot about it. They called me back a couple of months ago after over a year, and I told them to loose my number. It made me realize how shady some of these "companies" are. <br><br>Good luck!

bittyhorse23
02-12-2008, 09:39 AM
that really sucks. This is what I expected but had hoped there would have been someone who broke through. How can they discriminate against us? Thought that was illegal these days? Another reason to "love" our government system!

Thnkas for your replys!!!

bittyhorse23
02-12-2008, 09:39 AM
that really sucks. This is what I expected but had hoped there would have been someone who broke through. How can they discriminate against us? Thought that was illegal these days? Another reason to "love" our government system!

Thnkas for your replys!!!

bittyhorse23
02-12-2008, 09:39 AM
that really sucks. This is what I expected but had hoped there would have been someone who broke through. How can they discriminate against us? Thought that was illegal these days? Another reason to "love" our government system!

Thnkas for your replys!!!

bittyhorse23
02-12-2008, 09:39 AM
that really sucks. This is what I expected but had hoped there would have been someone who broke through. How can they discriminate against us? Thought that was illegal these days? Another reason to "love" our government system!

Thnkas for your replys!!!

bittyhorse23
02-12-2008, 09:39 AM
that really sucks. This is what I expected but had hoped there would have been someone who broke through. How can they discriminate against us? Thought that was illegal these days? Another reason to "love" our government system!

Thnkas for your replys!!!

bagged2drag
02-13-2008, 06:14 AM
Well, the insurance companies are all BS. They only care about their profits (I assume). I would look into your state programs to see what they offer. We have a nice state program here in WI for cf'ers. It only covers cf related stuff, but it is free, and the co-pays and deductibles aren't too bad. The only downfall, the state coverage in itself won't cover home IV, you have to stay inpatient. I have private insurance too, so I don't need to worry. I keep the state insurance just to help with my prescription co-pays. There it is! Move to Wisconsin! lol

bagged2drag
02-13-2008, 06:14 AM
Well, the insurance companies are all BS. They only care about their profits (I assume). I would look into your state programs to see what they offer. We have a nice state program here in WI for cf'ers. It only covers cf related stuff, but it is free, and the co-pays and deductibles aren't too bad. The only downfall, the state coverage in itself won't cover home IV, you have to stay inpatient. I have private insurance too, so I don't need to worry. I keep the state insurance just to help with my prescription co-pays. There it is! Move to Wisconsin! lol

bagged2drag
02-13-2008, 06:14 AM
Well, the insurance companies are all BS. They only care about their profits (I assume). I would look into your state programs to see what they offer. We have a nice state program here in WI for cf'ers. It only covers cf related stuff, but it is free, and the co-pays and deductibles aren't too bad. The only downfall, the state coverage in itself won't cover home IV, you have to stay inpatient. I have private insurance too, so I don't need to worry. I keep the state insurance just to help with my prescription co-pays. There it is! Move to Wisconsin! lol

bagged2drag
02-13-2008, 06:14 AM
Well, the insurance companies are all BS. They only care about their profits (I assume). I would look into your state programs to see what they offer. We have a nice state program here in WI for cf'ers. It only covers cf related stuff, but it is free, and the co-pays and deductibles aren't too bad. The only downfall, the state coverage in itself won't cover home IV, you have to stay inpatient. I have private insurance too, so I don't need to worry. I keep the state insurance just to help with my prescription co-pays. There it is! Move to Wisconsin! lol

bagged2drag
02-13-2008, 06:14 AM
Well, the insurance companies are all BS. They only care about their profits (I assume). I would look into your state programs to see what they offer. We have a nice state program here in WI for cf'ers. It only covers cf related stuff, but it is free, and the co-pays and deductibles aren't too bad. The only downfall, the state coverage in itself won't cover home IV, you have to stay inpatient. I have private insurance too, so I don't need to worry. I keep the state insurance just to help with my prescription co-pays. There it is! Move to Wisconsin! lol

Scottius
02-13-2008, 01:33 PM
I worry about losing my job for this very reason. The fact that insurance companies can turn down people for pre-existing conditions ought to be criminal. Of course the politicians who allow this to happen get health coverage for the rest of their lives, so they aren't particularly worried.

Scottius
02-13-2008, 01:33 PM
I worry about losing my job for this very reason. The fact that insurance companies can turn down people for pre-existing conditions ought to be criminal. Of course the politicians who allow this to happen get health coverage for the rest of their lives, so they aren't particularly worried.

Scottius
02-13-2008, 01:33 PM
I worry about losing my job for this very reason. The fact that insurance companies can turn down people for pre-existing conditions ought to be criminal. Of course the politicians who allow this to happen get health coverage for the rest of their lives, so they aren't particularly worried.

Scottius
02-13-2008, 01:33 PM
I worry about losing my job for this very reason. The fact that insurance companies can turn down people for pre-existing conditions ought to be criminal. Of course the politicians who allow this to happen get health coverage for the rest of their lives, so they aren't particularly worried.

Scottius
02-13-2008, 01:33 PM
I worry about losing my job for this very reason. The fact that insurance companies can turn down people for pre-existing conditions ought to be criminal. Of course the politicians who allow this to happen get health coverage for the rest of their lives, so they aren't particularly worried.

marcijo
02-13-2008, 03:12 PM
Yep-you cannot get your own private insurance. I tried when I quit my job 10 years ago, and they all denied me. I ended up applying to the Washington State Health Insurance Pool and they had to cover me (its a state program) but it was terrible insurance. Super high deductible, etc.

I have since gone back to my job and have health insurance coverage through them. It is one of my main reasons (besides we need the money!) for working. Luckily my health is fine (and I am able to work from home) so its not an issue.

I have thought about getting added onto my husbands plan through his work, but since we already have our kids on that plan, it is $450 a month just to add me. I have also thought of getting my kids private plans (since I can't get one) and then it wouldn't cost much to add me to my husband's plan. But for now it works the way we have it.

And I agree-its not fair that they won't cover us. To me that seems like terrible discrimination. Something is going to have to change. Don't even get me started on health insurance right now! <img src="i/expressions/face-icon-small-smile.gif" border="0">

marcijo
02-13-2008, 03:12 PM
Yep-you cannot get your own private insurance. I tried when I quit my job 10 years ago, and they all denied me. I ended up applying to the Washington State Health Insurance Pool and they had to cover me (its a state program) but it was terrible insurance. Super high deductible, etc.

I have since gone back to my job and have health insurance coverage through them. It is one of my main reasons (besides we need the money!) for working. Luckily my health is fine (and I am able to work from home) so its not an issue.

I have thought about getting added onto my husbands plan through his work, but since we already have our kids on that plan, it is $450 a month just to add me. I have also thought of getting my kids private plans (since I can't get one) and then it wouldn't cost much to add me to my husband's plan. But for now it works the way we have it.

And I agree-its not fair that they won't cover us. To me that seems like terrible discrimination. Something is going to have to change. Don't even get me started on health insurance right now! <img src="i/expressions/face-icon-small-smile.gif" border="0">

marcijo
02-13-2008, 03:12 PM
Yep-you cannot get your own private insurance. I tried when I quit my job 10 years ago, and they all denied me. I ended up applying to the Washington State Health Insurance Pool and they had to cover me (its a state program) but it was terrible insurance. Super high deductible, etc.

I have since gone back to my job and have health insurance coverage through them. It is one of my main reasons (besides we need the money!) for working. Luckily my health is fine (and I am able to work from home) so its not an issue.

I have thought about getting added onto my husbands plan through his work, but since we already have our kids on that plan, it is $450 a month just to add me. I have also thought of getting my kids private plans (since I can't get one) and then it wouldn't cost much to add me to my husband's plan. But for now it works the way we have it.

And I agree-its not fair that they won't cover us. To me that seems like terrible discrimination. Something is going to have to change. Don't even get me started on health insurance right now! <img src="i/expressions/face-icon-small-smile.gif" border="0">

marcijo
02-13-2008, 03:12 PM
Yep-you cannot get your own private insurance. I tried when I quit my job 10 years ago, and they all denied me. I ended up applying to the Washington State Health Insurance Pool and they had to cover me (its a state program) but it was terrible insurance. Super high deductible, etc.

I have since gone back to my job and have health insurance coverage through them. It is one of my main reasons (besides we need the money!) for working. Luckily my health is fine (and I am able to work from home) so its not an issue.

I have thought about getting added onto my husbands plan through his work, but since we already have our kids on that plan, it is $450 a month just to add me. I have also thought of getting my kids private plans (since I can't get one) and then it wouldn't cost much to add me to my husband's plan. But for now it works the way we have it.

And I agree-its not fair that they won't cover us. To me that seems like terrible discrimination. Something is going to have to change. Don't even get me started on health insurance right now! <img src="i/expressions/face-icon-small-smile.gif" border="0">

marcijo
02-13-2008, 03:12 PM
Yep-you cannot get your own private insurance. I tried when I quit my job 10 years ago, and they all denied me. I ended up applying to the Washington State Health Insurance Pool and they had to cover me (its a state program) but it was terrible insurance. Super high deductible, etc.

I have since gone back to my job and have health insurance coverage through them. It is one of my main reasons (besides we need the money!) for working. Luckily my health is fine (and I am able to work from home) so its not an issue.

I have thought about getting added onto my husbands plan through his work, but since we already have our kids on that plan, it is $450 a month just to add me. I have also thought of getting my kids private plans (since I can't get one) and then it wouldn't cost much to add me to my husband's plan. But for now it works the way we have it.

And I agree-its not fair that they won't cover us. To me that seems like terrible discrimination. Something is going to have to change. Don't even get me started on health insurance right now! <img src="i/expressions/face-icon-small-smile.gif" border="0">