Will my insurance premium go up?

[Guest guest]

Hi,

I was dx CML last August. I have individual medical insurance that I

pay out of my pocket. I have a pretty good premium for the whole year

because the insurance company rated me as healthy person. Now, they

have been paying for my Gleevec and blood test and doctor visits and

so on. When it's time to re-rate for the next policy year, will I get

a huge jump on my premium? It worries me as to receive this year's

renewal notice.

Even though I find a job that will offer me health insurance, I will

be so afraid to drop my current carrier to join the new one. First, I

may have to wait for 12 month for existing condition, Second, what if

I lose my job, then I will be out of insurance coverage?

Anyone knows how insurance company will do on my renewal?

Thanks.

Siu

[Guest guest]

Our cobra is for me, hubby and 3 children. For me alone it would have been

$392.51 monthly. Not too bad though considering I had to have it.

You'll get through it. Don't panic until the bills comes and then do

whatever you have to do to keep your insurance. Make small cuts in other

things if

you have to. You'd be surprised how much extra you pay in things that you

can cut when it comes down to it. That is what we had to do for a while.

Take care and stay positive. Dont worry over this.

************************************** See what's free at http://www.aol.com.

[Guest guest]

,

Thanks for responding. You are paying $1250 a month on COBRA. Is

it you and your husband together? I know COBRA is very expensive.

I was offered a COBRA when I got laid off few years ago. Then I

purchased an individual coverage which is half of what COBRA charges.

I prepare the insurer will bump up my premium. I don't know what to

do when they bump it up to $1 grand a month.....

Siu

>

> I wanted just to respond based on my experience. Mine is a

little different

> as I am covered under my husbands. Most insurances go up yearly

at renewal

> time. I think it would be fair to expect an increase since you

now have a

> diagnoses and they know about it.

>

> It is my understanding that as long as you have continual coverage

with no

> more then 62 days lapse, your next insurance must cover you, but

you have to

> see if they have a pre-existing period or not. Not all do. We

are on COBRA

> insurance right now as I couldn't go without it since my CML and

my hubby's

> new insurance as no pre-existing clause so that is wonderful.

Every insurance

> is different.

>

> I would expect your rates to go up your next premium year. As

long as you

> have the insurance right now, that is the most important thing.

I think if

> you worked for someone and got fired, I think you should be able

to have COBRA.

> Its VERY costly but when you need it, what can you do.......

>

> I pay $1245.00 per month for my COBRA. His benefits start in June

so I will

> be happy then!

>

> 35

> CML 5/13/05

> Gleevec 800mg PCRU

> Wife and mother of 3 (11,8,6)

>

>

>

> ************************************** See what's free at

http://www.aol.com.

>

>

>