More clarification

[Guest guest]

Hi Listmates:

With individual policies that are "granfathered" or bought before the change in law, they are now allowing children unmarried and in school to stay on until age 26. They did away with the lifetime caps, and well visits / prevention can not have a limit on it (most companies pad up to $300 which made us over 50's shell out for our EKG's and colonoscopies[which were surgical and went against our deductible]). Now if your doc orders a prevention test based on age the ins co. has to pay. It will be interesting to see what they do with families that have individual policies with children that went on prior to diagnoses. My gut reaction is they will have to pay.

Bare with me on some of this since the companies won't give the agents answers, they keep telling us there will be more clarification after the first of the year, the law is 2700 pages and vague on some areas and their legal departments are wrangling through it.

As for "putting her on her own policy" with the 3 yr old. There is no such thing in Florida anymore. There needs to be a parent on the policy with a child. I have heard quotes on rates with mark ups from 30% to 700%. I was told late Friday (I lost the call as the switchboard closed) by a rep from one company there is no limit on the mark-up (he's the guy that said 700%)

I'm happy to answer any questions you guys have and if anyone wants to contact me offlist or call that's fine.

Jayne (so missing her munchkin)

[Guest guest]

I am so grateful for your insurance help. I am currently struggling to keep my premiums paid, and pay for all of my little on's special needs. BCBS is paying for some of his ABA therapy which I am so grateful for, but they are 4 months behind in reimbursing me and I am going bankrupt in the process. I would love to call and talk with you what is your #, and what is a good time for you?

Thanks!

More clarification

Hi Listmates:

With individual policies that are "granfathered" or bought before the change in law, they are now allowing children unmarried and in school to stay on until age 26. They did away with the lifetime caps, and well visits / prevention can not have a limit on it (most companies pad up to $300 which made us over 50's shell out for our EKG's and colonoscopies[which were surgical and went against our deductible]). Now if your doc orders a prevention test based on age the ins co. has to pay. It will be interesting to see what they do with families that have individual policies with children that went on prior to diagnoses. My gut reaction is they will have to pay.

Bare with me on some of this since the companies won't give the agents answers, they keep telling us there will be more clarification after the first of the year, the law is 2700 pages and vague on some areas and their legal departments are wrangling through it.

As for "putting her on her own policy" with the 3 yr old. There is no such thing in Florida anymore. There needs to be a parent on the policy with a child. I have heard quotes on rates with mark ups from 30% to 700%. I was told late Friday (I lost the call as the switchboard closed) by a rep from one company there is no limit on the mark-up (he's the guy that said 700%)

I'm happy to answer any questions you guys have and if anyone wants to contact me offlist or call that's fine.

Jayne (so missing her munchkin)