Re: Trying to get the ball rolling...

[Guest guest]

Hi Serenity,

First of all, welcome to the board!! There is tons of great

information here. And LOTS of support as you go through this

process.

As to the insurance plans, maybe someone is here from your area who

can address your specific question. But if not, be sure to ask

qustions about each plan. Many times, there are people in your

workplace who can explanin the differences among available plans, or

there are contact people within the plans who can address specific

coverage questions. Since this surgery is often several months

following initiation of the process, most pre-existing clauses are

not applicable. But again, that will depend on your plan. So ask

lots and lots of questions, and find out who in your group gives the

information about what each plan includes and excludes. Let us know

what you find out too. Good luck with this!

Hugs,

Fran

>

> Hi everyone,

> I can't tell you how happy I am to have found this group

> I am trying to get the ball rolling on this whole maxillofacial

surgery

> thing...

> I am in the process of getting individual health insurance. I am

> wondering if anyone here living in FLORIDA has INDIVIDUAL health

> insurance (perhaps with Blue Cross Blue Shield) that actually

covers

> maxillofacial surgery. I know there are oral & maxillofacial

surgeons

> covered in some of Blue Cross's policies but the provider

directory

> omits whether they are covered by individual or group insurance

(which

> I have heard makes a huge difference)--most individual policies

exclude

> things like maxillofacial surgery, right?

> --serenity_111

>

[Guest guest]

Hi Fran & thank you for replying to me & welcoming me to the board

I can't get group insurance--my employer does not offer health

insurance. That is why I am seeking individual health insurance, not

group. My concern is that Maxillofacial surgery will be excluded from

an individual's policy. I don't really know... I will call the

doctor's office and ask them if they take the specific plan I am

looking at (prior to getting it).

All I know is that I need to do something already. I have been

struggling with this problem for over a decade now & am ready to just

do what it takes (even if I wind up having to take out a medical

loan).

--serenity_111

> >

> > Hi everyone,

> > I can't tell you how happy I am to have found this group

> > I am trying to get the ball rolling on this whole maxillofacial

> surgery

> > thing...

> > I am in the process of getting individual health insurance. I am

> > wondering if anyone here living in FLORIDA has INDIVIDUAL health

> > insurance (perhaps with Blue Cross Blue Shield) that actually

> covers

> > maxillofacial surgery. I know there are oral & maxillofacial

> surgeons

> > covered in some of Blue Cross's policies but the provider

> directory

> > omits whether they are covered by individual or group insurance

> (which

> > I have heard makes a huge difference)--most individual policies

> exclude

> > things like maxillofacial surgery, right?

> > --serenity_111

> >

>