Insurance Help

[Guest guest]

To anyone that can help, I am a 24 year old student, soon to be 25 on March 12, that will be going off my father's insurance due to my age. I am trying to find someone that will insure me, but I was told that since I have both UC and PSC that Blue Cross/Blue Shield would not "write" an insurance plan for me. The representative told me to look at www.somainsurance.com since I am a second year osteopathic medical student. However, I have no clue what I should be looking for in the plans. I figured plan 3 was out, but I can't decide if Plan 1, Plan 2, or if any of them would be good

policies. Unfortunately this is not something they teach in school, so any thoughts are appreciated. Here’s just a little background on my condition. I was diagnosed with PSC and UC on October 2004. I recently had a colonoscopy and the colon histology was in good shape as well as no polyps found. My PSC and UC have not given me much trouble since diagnosis. Only a little bit of pain in the upper right abdominal quadrant, but no hospitalizations. My Rx's are ursodiol 1 300 mg capsule twice a day (costs 77 dollars a month) and Asacol two 400 mg tablets three times a day (costs 232 dollars a month). I have tried to get my doc to increase my dosage of Ursodiol to two tablets two times a day, but it hasn't worked yet. A very big thanks to anyone that takes a look! Sincerely, Ross

Heil __________________________________________________

[Guest guest]

Fisrt of all I would enlist the help of you local congressman. The insurance company can write a policy for anyone they want. They are just trained to do things on the cheap. Next, start you way up the heiracrchy at the insurance company and insistant on a meeting. Is the company your father works for large enough that they have a lot of people under that insurance company? My job only carries one insurance company so I enlisted the help of the CEO of our company and he went to bat for me. Look up the law that went into affect quite a while ago about not refusing people with pre-exsisting conditions. Last but not least is going to the media. Insurance companies do not like bad PR. We were there with my son's PSC so I have a great sympathy for you. Keep a notebook so you have a list of everyone you speak with, their contact information and what they said. I went so far is to read back to them on the phone what they said so there was no misundertsanding about

that. Good lick. MartiRoss Heil wrote: To anyone that can help, I am a 24 year old student, soon to be 25 on March 12, that will be going off my father's insurance due to my age. I am trying to find someone that will insure me, but I was told that since I have both UC and PSC

that Blue Cross/Blue Shield would not "write" an insurance plan for me. The representative told me to look at www.somainsurance.com since I am a second year osteopathic medical student. However, I have no clue what I should be looking for in the plans. I figured plan 3 was out, but I can't decide if Plan 1, Plan 2, or if any of them would be good policies. Unfortunately this is not something they teach in school, so any thoughts are appreciated. Here’s just a little background on my condition. I was diagnosed with PSC and UC on October 2004. I recently had a colonoscopy and the colon histology was in good shape as well as no polyps found. My PSC and UC have not given me much trouble since diagnosis. Only a little bit of pain in the upper right abdominal quadrant, but no hospitalizations. My Rx's are ursodiol 1 300 mg capsule twice a

day (costs 77 dollars a month) and Asacol two 400 mg tablets three times a day (costs 232 dollars a month). I have tried to get my doc to increase my dosage of Ursodiol to two tablets two times a day, but it hasn't worked yet. A very big thanks to anyone that takes a look! Sincerely, Ross Heil __________________________________________________

[Guest guest]

Hi

Ross,

I’d pick Plan 2. Plan 1, with a yearly payout of only $100,000

just doesn’t cover as much. While

you’re still healthy (ok, fairly healthy), you still need to plan for emergencies.

Plan 2 pays a maximum of $250,000 a year, that’s much better

(just in case). The monthly premiums

are very good, you probably won’t think so being a college student on a

limited income, but they are good and will stay that way for another 5 years until

you turn 30. Plan 2 is my pick.

By the way, insist

your doctor up your dose of URSO.

Take some studies in for him to read and fight for what you want, you’re

the boss here and it’s your health!

HTH,

Barb in Texas - Together in the Fight, Whatever it

Takes!

Son Ken (32) UC 91 - PSC 99 Listed 7/21 @ Baylor Dallas

[Guest guest]

Hi, Ross. Also, make sure you check with your school and see if they

have a student medical plan; most universities do have something that,

even if it's not terrific on preventative care, will kick in if

something really drastic happens. Best of luck,

Nina

[Guest guest]

Ross,

I agree with Barb and Option 2 would be what I would choose

for my son. My only suggestion is to check the exceptions…#16

mentions pre-existing:

Pre-existing Conditions, except

for individuals who have been continuously insured under the SOMA student

insurance policy for at least 12 consecutive months; The Pre-existing condition

exclusionary period will be reduced by the total number of months that the

Insured provides documentation of continuous coverage under a prior health

insurance policy which provided benefits similar to this policy;

Best of luck to you,

Joanne (mom of Todd)

Ross wrote:

I have both UC and PSC that Blue Cross/Blue Shield would not

" write " an insurance plan for me. The representative told me to

look at www.somainsurance.com since I am a

second year osteopathic medical student. However, I have no clue what I

should be looking for in the plans. I figured plan 3 was out, but I can't

decide if Plan 1, Plan 2, or if any of them would be good policies.

[Guest guest]

Just a word on this insurance writing a policy. In Illinois we went to st.

representative, policy was written by Blue Cross Blue Shield. The previous

policy (self pay) had seen the writing on the wall for further and more

expensive payments and possible transplant and regularly upped the premium so we

could no longer afford to pay. Then the st. rep. stepped up and got the issue

of policy from BCBS at a much lower rate. Needless to say the premiums have

gone up so often that we are now back to the unmanageable premium as before with

previous ins. co. Being self employed is not all it's cracked up to be. Be

careful and become educated. dee

The insurance company can write a policy for anyone they want. They are just

trained to do things on the cheap. Next, start you way up the heiracrchy at the

insurance company and insistant on a meeting. Is the company your father works

for large enough that they have a lot of people under that insurance company? My

job only carries one insurance company so I enlisted the help of the CEO of our

company and he went to bat for me. Look up the law that went into affect quite a

while ago about not refusing people with pre-exsisting conditions.