Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Have you looked into BC/BS? Could your son get a job and go to cooking school part-time? Insurance My son will be graduating from college this spring/summer. However, he want to pursue a career in the culinary arts, which means he¹ll be going to cooking school here in New York City after graduating. What this means is that he¹ll no longer be covered by my wife¹s or my insurance policy because our policies only cover dependents while they¹re in school (until they graduate from a four year college for instance or up until a certain age while they are in college, my wife¹s union up until 23 years of age and my coverage, United Health Care, 25 years of age). Cooking schools, unfortunately, are not considered colleges so in effect, he¹s going to be without coverage. COBRA is very expensive, I¹ve heard maybe two to three hundred dollars per month which is crazy, where is an unemployed person supposed to come up with that? I¹m still investigating Healthy NY which is supposed to provide some coverage through an HMO in my state. You have to apply and I don¹t know the cost yet. Anybody have any other suggestions? My son is a type II on insulin and actose. Steve. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Have you looked into BC/BS? Could your son get a job and go to cooking school part-time? Insurance My son will be graduating from college this spring/summer. However, he want to pursue a career in the culinary arts, which means he¹ll be going to cooking school here in New York City after graduating. What this means is that he¹ll no longer be covered by my wife¹s or my insurance policy because our policies only cover dependents while they¹re in school (until they graduate from a four year college for instance or up until a certain age while they are in college, my wife¹s union up until 23 years of age and my coverage, United Health Care, 25 years of age). Cooking schools, unfortunately, are not considered colleges so in effect, he¹s going to be without coverage. COBRA is very expensive, I¹ve heard maybe two to three hundred dollars per month which is crazy, where is an unemployed person supposed to come up with that? I¹m still investigating Healthy NY which is supposed to provide some coverage through an HMO in my state. You have to apply and I don¹t know the cost yet. Anybody have any other suggestions? My son is a type II on insulin and actose. Steve. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Have you looked into BC/BS? Could your son get a job and go to cooking school part-time? Insurance My son will be graduating from college this spring/summer. However, he want to pursue a career in the culinary arts, which means he¹ll be going to cooking school here in New York City after graduating. What this means is that he¹ll no longer be covered by my wife¹s or my insurance policy because our policies only cover dependents while they¹re in school (until they graduate from a four year college for instance or up until a certain age while they are in college, my wife¹s union up until 23 years of age and my coverage, United Health Care, 25 years of age). Cooking schools, unfortunately, are not considered colleges so in effect, he¹s going to be without coverage. COBRA is very expensive, I¹ve heard maybe two to three hundred dollars per month which is crazy, where is an unemployed person supposed to come up with that? I¹m still investigating Healthy NY which is supposed to provide some coverage through an HMO in my state. You have to apply and I don¹t know the cost yet. Anybody have any other suggestions? My son is a type II on insulin and actose. Steve. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Where I live you can't get insurance unless you work at least 40 hours a week. When my daughter worked full time for a vet, they wouldn't let her work 40 hours, because they didn't want to give her insurance. Then later they fired her, because she got pregnant. Sometimes I just hate the way Americans are and I'm an American. Sherry and The Snow Angels Biscuit, Peppy, Piper, Abby and Sugar http://www.picturetrail.com/gabluebird ----- Original Message ----- From: , Bruce Have you looked into BC/BS? Could your son get a job and go to cooking school part-time? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 No not yet. I will though, thanks for the suggestion. As far as part-time is concerned, cooking school is from 9 - 5 for one year. Classes every day except major holidays. > Have you looked into BC/BS? > > Could your son get a job and go to cooking school part-time? > > Insurance > > > My son will be graduating from college this spring/summer. However, he want > to pursue a career in the culinary arts, which means he¹ll be going to > cooking school here in New York City after graduating. What this means is > that he¹ll no longer be covered by my wife¹s or my insurance policy because > our policies only cover dependents while they¹re in school (until they > graduate from a four year college for instance or up until a certain age > while they are in college, my wife¹s union up until 23 years of age and my > coverage, United Health Care, 25 years of age). Cooking schools, > unfortunately, are not considered colleges so in effect, he¹s going to be > without coverage. COBRA is very expensive, I¹ve heard maybe two to three > hundred dollars per month which is crazy, where is an unemployed person > supposed to come up with that? I¹m still investigating Healthy NY which is > supposed to provide some coverage through an HMO in my state. You have to > apply and I don¹t know the cost yet. > > Anybody have any other suggestions? > > My son is a type II on insulin and actose. > > Steve. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 No not yet. I will though, thanks for the suggestion. As far as part-time is concerned, cooking school is from 9 - 5 for one year. Classes every day except major holidays. > Have you looked into BC/BS? > > Could your son get a job and go to cooking school part-time? > > Insurance > > > My son will be graduating from college this spring/summer. However, he want > to pursue a career in the culinary arts, which means he¹ll be going to > cooking school here in New York City after graduating. What this means is > that he¹ll no longer be covered by my wife¹s or my insurance policy because > our policies only cover dependents while they¹re in school (until they > graduate from a four year college for instance or up until a certain age > while they are in college, my wife¹s union up until 23 years of age and my > coverage, United Health Care, 25 years of age). Cooking schools, > unfortunately, are not considered colleges so in effect, he¹s going to be > without coverage. COBRA is very expensive, I¹ve heard maybe two to three > hundred dollars per month which is crazy, where is an unemployed person > supposed to come up with that? I¹m still investigating Healthy NY which is > supposed to provide some coverage through an HMO in my state. You have to > apply and I don¹t know the cost yet. > > Anybody have any other suggestions? > > My son is a type II on insulin and actose. > > Steve. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 No not yet. I will though, thanks for the suggestion. As far as part-time is concerned, cooking school is from 9 - 5 for one year. Classes every day except major holidays. > Have you looked into BC/BS? > > Could your son get a job and go to cooking school part-time? > > Insurance > > > My son will be graduating from college this spring/summer. However, he want > to pursue a career in the culinary arts, which means he¹ll be going to > cooking school here in New York City after graduating. What this means is > that he¹ll no longer be covered by my wife¹s or my insurance policy because > our policies only cover dependents while they¹re in school (until they > graduate from a four year college for instance or up until a certain age > while they are in college, my wife¹s union up until 23 years of age and my > coverage, United Health Care, 25 years of age). Cooking schools, > unfortunately, are not considered colleges so in effect, he¹s going to be > without coverage. COBRA is very expensive, I¹ve heard maybe two to three > hundred dollars per month which is crazy, where is an unemployed person > supposed to come up with that? I¹m still investigating Healthy NY which is > supposed to provide some coverage through an HMO in my state. You have to > apply and I don¹t know the cost yet. > > Anybody have any other suggestions? > > My son is a type II on insulin and actose. > > Steve. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 I think that's dependent on the employer. Here Applebee's used to insure anyone who works over 30hrs/wk. Some businesses offer insurance for even 20 hr/wk as a perk. Debi Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Here in my state they have something called " vocational rehab " in the blue pages of the phone book. Diabetes with insulin is considered a disability that would qualify. They often pay for schooling and various things, they might have an insurance program for him? Debi Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 What state are you in Debi? > Here in my state they have something called " vocational rehab " in the > blue pages of the phone book. Diabetes with insulin is considered a > disability that would qualify. They often pay for schooling and > various things, they might have an insurance program for him? > > Debi Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 I know that if you work for a company and they offer insurance under a group insurance policy then they will cover pre-existing conditions, but from what I understand, only if it is a group policy. Insurance I have a question on insurance not covering pre-existing conditions. I know that several years ago insurance wouldn't cover anyone with pre-existing conditions and had a friend who had a heart transplant. A couple years later she got a new job and had to change insurance. She said that they had passed a law that insurance could not refuse to pay for pre-existing conditions then (she couldn't have gotten ANY insurance if they refused pre-existing conditions). What happened to that? Or was she making up another lie? Darlene Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 I know that if you work for a company and they offer insurance under a group insurance policy then they will cover pre-existing conditions, but from what I understand, only if it is a group policy. Insurance I have a question on insurance not covering pre-existing conditions. I know that several years ago insurance wouldn't cover anyone with pre-existing conditions and had a friend who had a heart transplant. A couple years later she got a new job and had to change insurance. She said that they had passed a law that insurance could not refuse to pay for pre-existing conditions then (she couldn't have gotten ANY insurance if they refused pre-existing conditions). What happened to that? Or was she making up another lie? Darlene Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 I know that if you work for a company and they offer insurance under a group insurance policy then they will cover pre-existing conditions, but from what I understand, only if it is a group policy. Insurance I have a question on insurance not covering pre-existing conditions. I know that several years ago insurance wouldn't cover anyone with pre-existing conditions and had a friend who had a heart transplant. A couple years later she got a new job and had to change insurance. She said that they had passed a law that insurance could not refuse to pay for pre-existing conditions then (she couldn't have gotten ANY insurance if they refused pre-existing conditions). What happened to that? Or was she making up another lie? Darlene Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 In a message dated 2/11/2006 8:57:41 P.M. Eastern Standard Time, schappaugh@... writes: That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. When we switched from private insurance to company paid insurance, I did not have to wait even though I'd had cancer a few years prior to that. hugs Eunice Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 In a message dated 2/11/2006 8:57:41 P.M. Eastern Standard Time, schappaugh@... writes: That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. When we switched from private insurance to company paid insurance, I did not have to wait even though I'd had cancer a few years prior to that. hugs Eunice Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 In a message dated 2/11/2006 8:57:41 P.M. Eastern Standard Time, schappaugh@... writes: That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. When we switched from private insurance to company paid insurance, I did not have to wait even though I'd had cancer a few years prior to that. hugs Eunice Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 Darlene, There really is such a law but like with every law there are loopholes. Under this specific law about the issue of insurance and pre-existing conditions the private insurance companies are not covered. And b/c of the loopholes, insurance plans thru employers can take advantage of the loophole too knowing that pre-existing conditions can cost a lot of money. Daughter of Type 2 Insulin Dependent Diabetic, Kristy __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 Darlene, There really is such a law but like with every law there are loopholes. Under this specific law about the issue of insurance and pre-existing conditions the private insurance companies are not covered. And b/c of the loopholes, insurance plans thru employers can take advantage of the loophole too knowing that pre-existing conditions can cost a lot of money. Daughter of Type 2 Insulin Dependent Diabetic, Kristy __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 11, 2006 Report Share Posted February 11, 2006 Darlene, There really is such a law but like with every law there are loopholes. Under this specific law about the issue of insurance and pre-existing conditions the private insurance companies are not covered. And b/c of the loopholes, insurance plans thru employers can take advantage of the loophole too knowing that pre-existing conditions can cost a lot of money. Daughter of Type 2 Insulin Dependent Diabetic, Kristy __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 > Darlene, > > There really is such a law but like with every law there are > loopholes. Under this specific law about the issue of insurance > and pre-existing conditions the private insurance companies are > not covered. And b/c of the loopholes, insurance plans thru > employers can take advantage of the loophole too knowing that > pre-existing conditions can cost a lot of money. > > Daughter of Type 2 Insulin Dependent Diabetic, By 'private' insurance companies, I think you mean organizations who are 'self insured'. I don't believe this holds true if your company offers you Blue Cross Blue Shield or other insurance company that is separate from the organization you are employed by. That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. Also, if you fail to sign up for the insurance benefits when you are first eligible, and then want to sign up at a later date, you are subject to waiting periods for pre-existing conditions as well. If you have any health issues, when you get a new job... at any cost... you should immediately sign up for insurance when it's offered. Make any sacrafice you have to to cover the cost. You may regret not doing so at a later date. Mike Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 > Darlene, > > There really is such a law but like with every law there are > loopholes. Under this specific law about the issue of insurance > and pre-existing conditions the private insurance companies are > not covered. And b/c of the loopholes, insurance plans thru > employers can take advantage of the loophole too knowing that > pre-existing conditions can cost a lot of money. > > Daughter of Type 2 Insulin Dependent Diabetic, By 'private' insurance companies, I think you mean organizations who are 'self insured'. I don't believe this holds true if your company offers you Blue Cross Blue Shield or other insurance company that is separate from the organization you are employed by. That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. Also, if you fail to sign up for the insurance benefits when you are first eligible, and then want to sign up at a later date, you are subject to waiting periods for pre-existing conditions as well. If you have any health issues, when you get a new job... at any cost... you should immediately sign up for insurance when it's offered. Make any sacrafice you have to to cover the cost. You may regret not doing so at a later date. Mike Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 Most insurance companies will cover pre-exisitng conditions as long as you were covered by other insurace untill you changed over to the " new " one. I dont know about a law... that is something you will have to check with your state or insurance company. Angelia in OR Insurance >I have a question on insurance not covering pre-existing conditions. I >know that several years ago insurance wouldn't cover anyone with >pre-existing conditions and had a friend who had a heart transplant. A >couple years later she got a new job and had to change insurance. She said >that they had passed a law that insurance could not refuse to pay for >pre-existing conditions then (she couldn't have gotten ANY insurance if >they refused pre-existing conditions). > > What happened to that? Or was she making up another lie? > > Darlene > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 Most insurance companies will cover pre-exisitng conditions as long as you were covered by other insurace untill you changed over to the " new " one. I dont know about a law... that is something you will have to check with your state or insurance company. Angelia in OR Insurance >I have a question on insurance not covering pre-existing conditions. I >know that several years ago insurance wouldn't cover anyone with >pre-existing conditions and had a friend who had a heart transplant. A >couple years later she got a new job and had to change insurance. She said >that they had passed a law that insurance could not refuse to pay for >pre-existing conditions then (she couldn't have gotten ANY insurance if >they refused pre-existing conditions). > > What happened to that? Or was she making up another lie? > > Darlene > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 <That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. > Fortunately I didn't have to wait at all for mine to kick in. It is my husband's policy through work. It covers my diabetes testing supplies 100%, I have a $30 co pay on my insulins, and a $20 co-pay on each doctor visit. They pay 100 % on all blood work. Duckie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 <That said, I believe that the coverage of pre-existing conditions applies to the employee only and in many cases the spouse may have to wait. > Fortunately I didn't have to wait at all for mine to kick in. It is my husband's policy through work. It covers my diabetes testing supplies 100%, I have a $30 co pay on my insulins, and a $20 co-pay on each doctor visit. They pay 100 % on all blood work. Duckie Quote Link to comment Share on other sites More sharing options...
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