Guest guest Posted April 5, 2001 Report Share Posted April 5, 2001 Good morning, all! My name is and I have a 2 year old daughter, Zoe, who has EvC. Up until now, Zoe has been on our family health insurance as well as being covered under TEFRA (a form of Medicaid geared to kids w/ unique medical problems.) My husband's employer is changing health insurance providers. Both the new insurance company and the employer are pressuring us to sign a waiver to remove Zoe from our policy--supposedly she is the reason that the premium would be exorbitant. Their position is that if she is covered under TEFRA (a government funded plan that we all know is here today and could be gone tomorrow!) that we should not expect them to also cover her. Aside from the obvious fact that this is blatant discrimination on the employer's part, I am trying to determine how this would affect Zoe's future insurability in the future if we were to sign this waiver. Have any of ya'll (sorry, I live in the South!) had any difficulties getting health insurance? Can anyone point me in the right direction on this issue? Any advice would be greatly appreciated! straight t-shirt is trend really an issue when it comes to school, recently in woodbury mn., a boy was almost expelled for wearing a straight t-shirt, and im wondering, what your opinions are about this? my opinion is for freedom of expression, but when should we draw the line? at my school, trend is an issue, based on whether your going to get that extra glance at school or your just ignored by the crowd. for many people it is the attention that people strive for, and it is about being popular, and doing the right things to be popular. Is it true that people are ore confident, when they think they look good. Its hard for me as a dwarf to be accepted at school, and it seems, only when im wearing my heals, and trendy clothes that things really start to change, and people really start noticing me. maybe this is just my own way of getting attention in a wird way, but does anyone have thoughts on this issue, if so write me back. always tricia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 5, 2001 Report Share Posted April 5, 2001 Under the Health Care Portability and Accountability Act of 1996 (HIPAA), genetic conditions that are present at birth, such as dwarfism,, cannot be considered a pre-existing condition and therefore cannot be considered a basis for denying health care insurance. I realize the employer/insurer do not seem to be making that case exactly, but in any case, I do not recommend signing the waiver. I've copied this response to individuals in LPA who may be able to offer you more specific advice in terms of your daughter's right to dual insurance. Sincerely, Cara Egan LPA Public Relations > From: " Lamb " <slamb0000@...> > Date: Thu, 5 Apr 2001 08:11:48 -0400 > <dwarfism > > Subject: Re: Health insurance question > > > Good morning, all! > My name is and I have a 2 year old daughter, Zoe, who has EvC. Up > until now, Zoe has been on our family health insurance as well as being > covered under TEFRA (a form of Medicaid geared to kids w/ unique medical > problems.) My husband's employer is changing health insurance providers. > Both the new insurance company and the employer are pressuring us to sign a > waiver to remove Zoe from our policy--supposedly she is the reason that the > premium would be exorbitant. Their position is that if she is covered under > TEFRA (a government funded plan that we all know is here today and could be > gone tomorrow!) that we should not expect them to also cover her. Aside from > the obvious fact that this is blatant discrimination on the employer's part, > I am trying to determine how this would affect Zoe's future insurability in > the future if we were to sign this waiver. Have any of ya'll (sorry, I live > in the South!) had any difficulties getting health insurance? Can anyone > point me in the right direction on this issue? Any advice would be greatly > appreciated! > > straight t-shirt > > > is trend really an issue when it comes to school, recently in woodbury > mn., a boy was almost expelled for wearing a straight t-shirt, and im > wondering, what your opinions are about this? my opinion is for > freedom of expression, but when should we draw the line? at my school, > trend is an issue, based on whether your going to get that extra glance > at school or your just ignored by the crowd. for many people it is the > attention that people strive for, and it is about being popular, and > doing the right things to be popular. Is it true that people are ore > confident, when they think they look good. Its hard for me as a dwarf > to be accepted at school, and it seems, only when im wearing my heals, > and trendy clothes that things really start to change, and people > really start noticing me. maybe this is just my own way of getting > attention in a wird way, but does anyone have thoughts on this issue, > if so write me back. > always tricia > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 22, 2003 Report Share Posted August 22, 2003 Our son was diagnosed with Stage IV Hodgkin's disease at 21. That was 5 1/2 years ago. At that time, my husband worked at Bausch and Lomb and we got COBRA coverage for him. Just like you, we had to have coverage for him. The cost of being without it is prohibitive. The year-long treatment may not have worked or a secondary cancer could arise from the treatment itself. Additionally, he must have a comprehensive health checkup every 6-months. If either you or your husband works at a company with good health coverage, by law, you can get the same coverage offered by that company for your child. Yes, it is expensive; you pay the combined rate that the company and you would normally share. But, just like you, what alternative do you have? If that option is not available, check with the county government or a professional group that you are associated with to see if you can pick up their rates. There are options out there. Keep in mind that COBRA coverage is good for only a certain period of time. Hopefully, our son will have a job with good health coverage. If not, we will check the cost of coverage from some of the options that I mentioned above. Good luck, Pat Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 24, 2003 Report Share Posted August 24, 2003 Cobra is the name of the extended Policy it is good for 18 mo. Most states let you find a policy that is equal to but not better that our current policy with the no pre=existing effective. If the policy is more that your current policy then they may impose some time limits on pre-existing illness. Some colleges have good coverage. My 29 YO is going to WSU (taking pre-law) and for less than $999 he has good coverage, even dental and vision and it is for 12 months. Never to early to start looking for options- remember that Insurance policies seem to be changing rapidly. HAPPY HUNTING!!! cHERRI Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 26, 2003 Report Share Posted August 26, 2003 When my sons were in college, they were to be included on my husband's insurance policy at work as long as they remained a full time student. It seems that he had to fill out a statement every so often to the extent that he was a full time student. You might want to check into that with your current insurnce. Far as what she'll do after college, if you are referring to COBRA, it ends after a certain amount of time. The longest I've heard is 3 years. Now after that 3 years is what I'm looking for-- any ideas out there? After my divorce I was promised but no one would put anything in writing, so I pay for all of my test doc's visits and drugs at this point. Needless to say there are lots of things that aren't being done because of a cash flow problem. It was supposed to be continued with the same company after the COBRA, but since they woudln't even pay the last 6 months as it was, there was no chance that they'd continue after that. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted August 27, 2003 Report Share Posted August 27, 2003 Hello all, Wanted to address the COBRA insurance question - hope I'm not too late. When my COBRA was discontinued because my former company dissolved, my health insurance company Health Net offered a COBRA conversion plan. I " ve had the same insurance now since I became sick - I still pay out-of-pocket for $700 for every 3 months but it has saved me from being declined for new coverage. Thanks, Maya 32/f, ReA in remission, Fibromyalgia _________________________________________________________________ Get MSN 8 and help protect your children with advanced parental controls. http://join.msn.com/?page=features/parental Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 2, 2004 Report Share Posted September 2, 2004 Minga et al, take a look at the Lifewise HSA plan which I have at my clinic. It is a $2500 deductible for all events, but you also get a HSA of up to the $2500. It costs $165 monthly for an individulal and $465 per month for a family of 3 or more. The employee and employer can both contribute to the HSA,which can be used for any IRS allowed medical expense.The HSA belongs to the employee or account holder, and unspent $ rolls over to an interest bearing savings account. At age 65 you can spend it anyway you like with some qualifications The way I do it is pay the basic premium for an employee and match their HSA contribution1/1 up to the maximum of $2500 for an individual Sample- Iput in $100 r and employee puts in $100 per month which adds up to $2400 a year, which is almost the deductible amount.I have spent my HSA bucks on glasses, prescription meds, root canals. You can even buy DME such as a massage chair if you can get a licensed physician to prescribe it for you( For a small courtesy I will write that scrip for you..).This is the only Health plan that makes sense to me and there is complete freedom of choice- no panel Docs.If you want the name of my broker, send a private email. I will reply after coming back to the office from vacation on Sept 14. Ron Johansen DC Portland, Oregon On Thu, 2 Sep 2004 17:23:42 EDT AboWoman@... writes: Hi fellow self-employeds. Recently got my updated policy and it's being raised $101 per month! yikes. It's now (at age 50) $351/month with $1,000 deductable no eye, no dental, limited Rx which amts to basically $20 per (preferred) prescription...and must use preferred providers. Health Net. I'm almost tempted to drop all health insurance. But that's just my knee jerk angry reaction.Is anyone else doing NASE? Kaiser? any suggestions gladly accepted.Minga Guerrero DC OregonDCs rules:1. Keep correspondence professional; the purpose of the listserve is to foster communication and collegiality. No personal attacks on listserve members will be tolerated.2. Always sign your e-mails with your first and last name.3. The listserve is not secure; your e-mail could end up anywhere. However, it is against the rules of the listserve to copy, print, forward, or otherwise distribute correspondence written by another member without his or her consent, unless all personal identifiers have been removed. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 31, 2009 Report Share Posted March 31, 2009 This is a question for those of you with kiddos out of high school. My son will graduate from high school in May. He plans to start a community college in the fall and continue to live with his dad. He is on his dad’s medical insurance. Concern is what to do if he is unable to carry enough hours to be considered a full-time student (I think this is 12 hours) which is a requirement of his dad’s medical plan. Wondering what others in this situation are doing? Thanks, " Yesterday is history. Tomorrow is a mystery. Today is a gift - that is why they call it the present. " Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 31, 2009 Report Share Posted March 31, 2009 Hi , do you think he can't do the 12 hours? Is he just wanting to go to the college to take a couple classes, see what it's like, or has he a degree program in mind? Only other option I can think of is to try to get him his own private policy, like thru Blue Cross or other. Dad could go ahead and price BCBS or others, see what the cost is compared to his current cost. If he does that now, he *might* could get a policy that wouldn't have that...oh, what is it, where diagnoses or something won't carry over to new insurance...know what I mean? Anyway, where if he picked up the private insurance immediately due to the other running out because of age. I couldn't afford to carry any of my sons on my work insurance. They were on our state health insurance plan until age 19. One of my sons went straight to college so we got his insurance through the college; he's still there, age 20. Another doesn't have any (my OCD Aspie son, age 20, who goes to our community college) since state health stopped. And my oldest son went without until his current job (he's almost 24 now). I'm so paycheck-to-paycheck and in debt, I couldn't do the private insurance either. > > This is a question for those of you with kiddos out of high school. My son > will graduate from high school in May. He plans to start a community > college in the fall and continue to live with his dad. He is on his dad's > medical insurance. Concern is what to do if he is unable to carry enough Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 31, 2009 Report Share Posted March 31, 2009 Get a note from the doctor stating that he's unable to handle 12 units due to his handicap (and perhaps stating how many units he should be taking--which would be a " full load " for him.) My hubby's employer and their insurance company accepted that in my daughter's case--she has had brain cancer and 12 units was too much for her after that. Good luck to you! > > This is a question for those of you with kiddos out of high school. My son > will graduate from high school in May. He plans to start a community > college in the fall and continue to live with his dad. He is on his dad's > medical insurance. Concern is what to do if he is unable to carry enough > hours to be considered a full-time student (I think this is 12 hours) which > is a requirement of his dad's medical plan. Wondering what others in this > situation are doing? > > > > Thanks, > > > > > > " Yesterday is history. Tomorrow is a mystery. Today is a gift - that is why > they call it the present. " > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 1, 2009 Report Share Posted April 1, 2009 > > This is a question for those of you with kiddos out of high school. My son > will graduate from high school in May. He plans to start a community > college in the fall and continue to live with his dad. He is on his dad's > medical insurance. Concern is what to do if he is unable to carry enough > hours to be considered a full-time student (I think this is 12 hours) which > is a requirement of his dad's medical plan. Wondering what others in this > situation are doing? Is he eligible for social security disability? That would get him health insurance and dental insurance. --Ruth Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 1, 2009 Report Share Posted April 1, 2009 I have heard that sometimes exceptions will be made for students with disabilities. As long as they are nearly full time students. You would want to talk with the Disability Office at the local community college. Pam New Low Prices on Dell Laptops - Starting at $399 Quote Link to comment Share on other sites More sharing options...
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