Guest guest Posted December 20, 2005 Report Share Posted December 20, 2005 Louisiana has that law - unfortunately it doesn't cover Aetna since they are a self financed insurance company. A major loophole - there has to be a way of closing it. Aetna originally told me that they weren't covered - so I called the corporate headquarters and argued with it. They told me it was an oversight on Aetna's part and that hearing aids were covered. At one point we were told they were covered 100% with a 10,000 cap and then at another point I was told they were covered 80% but with no cap limit. Unfortunately, I didn't realize that they meant 100% was for 450 PER AID!!!!!! SO yes, they are covering it....just not a fair amount. Plus they are using Medicaid as a guidline when it has nothing to do with me. Besides the fact that Medicaid is federally funded with more limitations than what the corporation can impose on ITSELF!!!!!! It really gets to me that they will cover a CI but not aids - and they will cover aids for a CI candidate but not for a noncandidate. I think it is prejudice and I think if it is pushed hard enough by enough people then it can be changed. I was taught that there is very little in life that can't be done. I going into this thinking that. And I don't care how hard it is to fight it or who I have to contact but I'm doing it. Give me 5 to 10 years. Also, PFChangs and Aetna is refusing to give me the information that they have from Medicaid that they based their decision off of. Isn't that a violation of Due Process? Cherie Myers wrote: We have Aetna and our aids weren't covered. I started calling around the local news and our fox station picked up our story. They interviewed us as well as interviewing one of the assemblymen who sponsors Grace's Law, which would mandate that insurance companies in NJ pay for hearing aids for children. At the time, it looked like all 3 of our kids might end up aided. After the story ran, I had a couple of calls from people wanting to buy the aids for us. It was a burden for us to afford the aids, but I felt their money could've gone to needier families and turned them down. I also had Bill's former boss advocate for us with the insurance company as well as writing many grievance letters. The scary thing was, we got a call from Aetna at one point offering to forgo the requirements for CI and they would pay for those instead of the hearing aids. Long story short, about a year after got his aids, we received a check from the hospital for the cost of the aids. Apparently, the insurance company paid for them. Whether it was an oversight on their part or because of the work I had done, I'll never know...I won't look a gift horse in the mouth. And I figure we won't be lucky the next time around. will need new aids in another year or so and I was hoping Grace's Law would pass by then, but it has been stalled for so long. Cherie Emery wrote: Our insurance plan also does not cover aids. But, luckily, if my son ever lost his ear, due to say....... shark attack, I could rest assured that the insurance company would cover a new, prosthetic ear for him. More seriously however, have any of you ever considered writing to Oprah? We thought about sending her a video of our son. Maybe she'd start some sort of fund for hearing impaired children, and get the word out about insurance absurdities. Well, I don't know, I guess that's just wishful thinking. God bless, Caleb, 6, bilateral SNHL, aided (thanks to Gramma and Gramps), FM (thanks to Meme and Papa). , 8, hearing All messages posted to this list are private and confidential. Each post is the intellectual property of the author and therefore subject to copyright restrictions. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 In a message dated 12/20/2005 7:55:07 P.M. Eastern Standard Time, em2_mom@... writes: What burns me most about our plan is that Viagra is covered. No offense taken here. I find the irony in insurance coverage to be almost amusing. For instance, for a while ours covered Viagra but not birth control pills. There was some sort of lawsuit about it and now I believe the pills are covered as well. They had defended not covering birth control pills by saying they were a choice and not medically necessary. That rationale fell apart when they started covering Viagra. I'd love to have been in the room as someone defended how Viagra was a " medical necessity. " LOL Bizarre huh? Jill Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 In a message dated 12/20/2005 9:13:13 A.M. Central Standard Time, tanya@... writes: Our insurance plan also does not cover aids. But, luckily, if my son ever lost his ear, due to say....... shark attack, I could rest assured that the insurance company would cover a new, prosthetic ear for him. When my oldest son was diagnosed, I called the insurance company to see if we could bill the hearing aid as a prosthetic device. They cover those at 80 percent coverage. They denied it. We do have coverage up to $1,000 per person in our family, so we are lucky. When my daughter was diagnosed, we qualified for DSCC at that time. But, we were purchasing digitals and DSCC would not cover them because an educational audiologist wrote a recommendation for analogs. We went to an independent audiologist approved by DSCC, but they would not accept that report because the other audiologist had made a recommendation for the analogs. So we had to pay out of pocket, despite a phone call to the DSCC director. The very day that I made the last payment, my daughter lost one hearing aid! Putz Illinois Families for Hands & Voices _www.handsandvoices.org_ (http://www.handsandvoices.org/) _www.ilhandsandvoices.org_ (http://www.ilhandsandvoices.org/) Email: support@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 In a message dated 12/20/2005 9:13:13 A.M. Central Standard Time, tanya@... writes: Our insurance plan also does not cover aids. But, luckily, if my son ever lost his ear, due to say....... shark attack, I could rest assured that the insurance company would cover a new, prosthetic ear for him. When my oldest son was diagnosed, I called the insurance company to see if we could bill the hearing aid as a prosthetic device. They cover those at 80 percent coverage. They denied it. We do have coverage up to $1,000 per person in our family, so we are lucky. When my daughter was diagnosed, we qualified for DSCC at that time. But, we were purchasing digitals and DSCC would not cover them because an educational audiologist wrote a recommendation for analogs. We went to an independent audiologist approved by DSCC, but they would not accept that report because the other audiologist had made a recommendation for the analogs. So we had to pay out of pocket, despite a phone call to the DSCC director. The very day that I made the last payment, my daughter lost one hearing aid! Putz Illinois Families for Hands & Voices _www.handsandvoices.org_ (http://www.handsandvoices.org/) _www.ilhandsandvoices.org_ (http://www.ilhandsandvoices.org/) Email: support@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 In a message dated 12/20/2005 9:13:13 A.M. Central Standard Time, tanya@... writes: Our insurance plan also does not cover aids. But, luckily, if my son ever lost his ear, due to say....... shark attack, I could rest assured that the insurance company would cover a new, prosthetic ear for him. When my oldest son was diagnosed, I called the insurance company to see if we could bill the hearing aid as a prosthetic device. They cover those at 80 percent coverage. They denied it. We do have coverage up to $1,000 per person in our family, so we are lucky. When my daughter was diagnosed, we qualified for DSCC at that time. But, we were purchasing digitals and DSCC would not cover them because an educational audiologist wrote a recommendation for analogs. We went to an independent audiologist approved by DSCC, but they would not accept that report because the other audiologist had made a recommendation for the analogs. So we had to pay out of pocket, despite a phone call to the DSCC director. The very day that I made the last payment, my daughter lost one hearing aid! Putz Illinois Families for Hands & Voices _www.handsandvoices.org_ (http://www.handsandvoices.org/) _www.ilhandsandvoices.org_ (http://www.ilhandsandvoices.org/) Email: support@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 In a message dated 12/21/2005 8:44:04 A.M. Central Standard Time, saraandchadd@... writes: This person made the recommendation to your child specifically or was it a general recommendation - like a paper or something? This was an educational audiologist who was dispensing the hearing aid for and DSCC chose to use that audiologists recommendations despite our request for an independent one. They seem to have changed their policies since now digitals are covered. Putz Illinois Families for Hands & Voices _www.handsandvoices.org_ (http://www.handsandvoices.org/) _www.ilhandsandvoices.org_ (http://www.ilhandsandvoices.org/) Email: support@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 This person made the recommendation to your child specifically or was it a general recommendation - like a paper or something? Parentsofdeafhoh@... wrote: DSCC would not cover them because an educational audiologist wrote a recommendation for analogs. __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 JillcWood@... wrote: <<For instance, for a while ours covered Viagra but not birth control pills. >> This is true of our plan too. I guess if you're a man who needs Viagra and you write insurance policy, then it's medically necessary! Our plan covers " voluntary sterilization " but not birth control. It's OK to have surgery and all the risks that come with it. I just do not get the rationale. Reading some of the stuff in our plan makes me chuckle, now. They specify that a hearing aid is not durable medical equipment. Slick, huh? __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 JillcWood@... wrote: <<For instance, for a while ours covered Viagra but not birth control pills. >> This is true of our plan too. I guess if you're a man who needs Viagra and you write insurance policy, then it's medically necessary! Our plan covers " voluntary sterilization " but not birth control. It's OK to have surgery and all the risks that come with it. I just do not get the rationale. Reading some of the stuff in our plan makes me chuckle, now. They specify that a hearing aid is not durable medical equipment. Slick, huh? __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 21, 2005 Report Share Posted December 21, 2005 JillcWood@... wrote: <<For instance, for a while ours covered Viagra but not birth control pills. >> This is true of our plan too. I guess if you're a man who needs Viagra and you write insurance policy, then it's medically necessary! Our plan covers " voluntary sterilization " but not birth control. It's OK to have surgery and all the risks that come with it. I just do not get the rationale. Reading some of the stuff in our plan makes me chuckle, now. They specify that a hearing aid is not durable medical equipment. Slick, huh? __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 We have Lumenos Insurance. This is the best for us. It takes out$72 every other week. There is a $2000 hole (they will cover up to $2000 at first) Then you are responsible for the next $1400, after that it is an 80--20 plan. Once your dollar amount has reached $4,000, they will cover it at 100%. For preventative care, it is free. We love the insurance. a " , Bruce " wrote: 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 We have Lumenos Insurance. This is the best for us. It takes out$72 every other week. There is a $2000 hole (they will cover up to $2000 at first) Then you are responsible for the next $1400, after that it is an 80--20 plan. Once your dollar amount has reached $4,000, they will cover it at 100%. For preventative care, it is free. We love the insurance. a " , Bruce " wrote: 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 Steve, I'll check with my neighbor whose son did the same thing. I'm pretty sure her insurance allowed cooking school to be considered as a regular college. Have you actually talked with them about it or just assuming? I wonder if you fill out the forms anyway (I know we had to do that every semester during college) and don't say it is a cooking school. It is still full time education. I would try and fight that if they say no unless it is clearly spelled out as such in your policy. Also wondered if perhaps there is state medical coverage as in welfare type coverage for those who have no medical. Some of these schools do provide health insurance as well. Have you checked with the particular cooking school he is going to if they have coverage you could get? My neighbors' son went to one in Philadelphia. I know they also had him on their car insurance some way and they lived out of state at the time. United Health Care is what we have and I find if I get no from one person, I'll call and ask another one. I've had them tell me certain hospitals were not covered and later they said they were. It all came down to one word I did not include on the name. If you ask be sure and use the full name of the college. I think everything is NO unless you continually work at it. I wouldn't give up. Between the two companies you and your wife have one of them should be able to get it right. Here's hoping/praying there's a way for it to work. Doesn't seem fair that a hard working kid with a goal and plan for the future would just be left out. >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. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 Steve, I'll check with my neighbor whose son did the same thing. I'm pretty sure her insurance allowed cooking school to be considered as a regular college. Have you actually talked with them about it or just assuming? I wonder if you fill out the forms anyway (I know we had to do that every semester during college) and don't say it is a cooking school. It is still full time education. I would try and fight that if they say no unless it is clearly spelled out as such in your policy. Also wondered if perhaps there is state medical coverage as in welfare type coverage for those who have no medical. Some of these schools do provide health insurance as well. Have you checked with the particular cooking school he is going to if they have coverage you could get? My neighbors' son went to one in Philadelphia. I know they also had him on their car insurance some way and they lived out of state at the time. United Health Care is what we have and I find if I get no from one person, I'll call and ask another one. I've had them tell me certain hospitals were not covered and later they said they were. It all came down to one word I did not include on the name. If you ask be sure and use the full name of the college. I think everything is NO unless you continually work at it. I wouldn't give up. Between the two companies you and your wife have one of them should be able to get it right. Here's hoping/praying there's a way for it to work. Doesn't seem fair that a hard working kid with a goal and plan for the future would just be left out. >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. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 When my daughter went to cooking schookl she had basic health ins thru the school. Have you called the school he will attend? Tucson Kitty 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. > Diabetes homepage: http://groups.yahoo.com/group/diabetes/ To unsubscribe to this group, send an email to: diabetes-unsubscribe Hope you come back soon! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 When my daughter went to cooking schookl she had basic health ins thru the school. Have you called the school he will attend? Tucson Kitty 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. > Diabetes homepage: http://groups.yahoo.com/group/diabetes/ To unsubscribe to this group, send an email to: diabetes-unsubscribe Hope you come back soon! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 13, 2006 Report Share Posted January 13, 2006 When my daughter went to cooking schookl she had basic health ins thru the school. Have you called the school he will attend? Tucson Kitty 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. > Diabetes homepage: http://groups.yahoo.com/group/diabetes/ To unsubscribe to this group, send an email to: diabetes-unsubscribe Hope you come back soon! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 Well, that does me in. No place I have worked since I got laid off in '91 has had any insurance coverage, including the place I work part time now (one of the others was more than full time and offered nothing). Hopefully I will be able to control everything with diet soon. Darlene > > Also you need to have continual coverage with no lapse. If there is a > lapse (even 1 day)in coverage, when offered group insurance at a new > job, they can still pre-exist you, but I don't think they can deny > coverage totally on group. So you'd get the coverage, but they would > pre-exist for 12-18 months on diabetes or whatever you were being > treated for. That's why it's critical to COBRA on to your former > insurance or obtain private coverage between jobs. Obtaining private > would probably be difficult with diabetes so COBRA, even at huge > rates, becomes the solution. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 12, 2006 Report Share Posted February 12, 2006 Well, that does me in. No place I have worked since I got laid off in '91 has had any insurance coverage, including the place I work part time now (one of the others was more than full time and offered nothing). Hopefully I will be able to control everything with diet soon. Darlene > > Also you need to have continual coverage with no lapse. If there is a > lapse (even 1 day)in coverage, when offered group insurance at a new > job, they can still pre-exist you, but I don't think they can deny > coverage totally on group. So you'd get the coverage, but they would > pre-exist for 12-18 months on diabetes or whatever you were being > treated for. That's why it's critical to COBRA on to your former > insurance or obtain private coverage between jobs. Obtaining private > would probably be difficult with diabetes so COBRA, even at huge > rates, becomes the solution. > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 13, 2006 Report Share Posted February 13, 2006 Darlene, That does *NOT* do you in. You would be surprised how many companies that offer group insurance have no 'pre existing conditions' clause as long as you sign up for the policy at the time you are eligible. Almost all of them have 'open enrollment' periods that are within the first 30-60 days of employment. If you don't take advantage of that period thinking you can save some money by not paying premiums for a year or two, and then develop a condition where you need insurance... you will run into a pre-existing conditions clause. That is to prevent what is known in the business as 'adverse selection'. However, they know if you limit enrollment periods, forcing everyone to take the insurance right off the bat, they get the 'healthy' people along with the unhealthy people...spreading the risk (which is what insurance is all about). Mike > > Well, that does me in. No place I have worked since I got laid off > in '91 has had any insurance coverage, including the place I work > part time now (one of the others was more than full time and offered > nothing). Hopefully I will be able to control everything with diet > soon. > > Darlene > > > > > > Also you need to have continual coverage with no lapse. If there > is a > > lapse (even 1 day)in coverage, when offered group insurance at a > new > > job, they can still pre-exist you, but I don't think they can deny > > coverage totally on group. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 13, 2006 Report Share Posted February 13, 2006 Darlene, That does *NOT* do you in. You would be surprised how many companies that offer group insurance have no 'pre existing conditions' clause as long as you sign up for the policy at the time you are eligible. Almost all of them have 'open enrollment' periods that are within the first 30-60 days of employment. If you don't take advantage of that period thinking you can save some money by not paying premiums for a year or two, and then develop a condition where you need insurance... you will run into a pre-existing conditions clause. That is to prevent what is known in the business as 'adverse selection'. However, they know if you limit enrollment periods, forcing everyone to take the insurance right off the bat, they get the 'healthy' people along with the unhealthy people...spreading the risk (which is what insurance is all about). Mike > > Well, that does me in. No place I have worked since I got laid off > in '91 has had any insurance coverage, including the place I work > part time now (one of the others was more than full time and offered > nothing). Hopefully I will be able to control everything with diet > soon. > > Darlene > > > > > > Also you need to have continual coverage with no lapse. If there > is a > > lapse (even 1 day)in coverage, when offered group insurance at a > new > > job, they can still pre-exist you, but I don't think they can deny > > coverage totally on group. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 13, 2006 Report Share Posted February 13, 2006 Darlene, That does *NOT* do you in. You would be surprised how many companies that offer group insurance have no 'pre existing conditions' clause as long as you sign up for the policy at the time you are eligible. Almost all of them have 'open enrollment' periods that are within the first 30-60 days of employment. If you don't take advantage of that period thinking you can save some money by not paying premiums for a year or two, and then develop a condition where you need insurance... you will run into a pre-existing conditions clause. That is to prevent what is known in the business as 'adverse selection'. However, they know if you limit enrollment periods, forcing everyone to take the insurance right off the bat, they get the 'healthy' people along with the unhealthy people...spreading the risk (which is what insurance is all about). Mike > > Well, that does me in. No place I have worked since I got laid off > in '91 has had any insurance coverage, including the place I work > part time now (one of the others was more than full time and offered > nothing). Hopefully I will be able to control everything with diet > soon. > > Darlene > > > > > > Also you need to have continual coverage with no lapse. If there > is a > > lapse (even 1 day)in coverage, when offered group insurance at a > new > > job, they can still pre-exist you, but I don't think they can deny > > coverage totally on group. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 13, 2006 Report Share Posted February 13, 2006 That law only applied to group insurance, not individual. 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 13, 2006 Report Share Posted February 13, 2006 That law only applied to group insurance, not individual. 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 13, 2006 Report Share Posted February 13, 2006 That law only applied to group insurance, not individual. 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...
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