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Jules Re: USA Health Insurance
For more information on symptoms and treatment of endometriosis visit www.EndometriosisZONE.org.
From: Amanda (anonymous@obgyn.net)
Mon Nov 17 08:18:30 2003
Thank you for your response. I am a bit confused since this is new to
me. So if you had a private health insurance company that covered you
for everything but my Endo for 12 months then after the 12 months they
would cover my Endo? What about pre-existing symptoms...I have tailbone
pain that we aren't sure if endo causes. Because I have had the symptom
for for a long time, is it then considered a pre-existing condition even
though it is undiagnosed?
What is Cobra exactly? and why were you able to get it to cover your
endo? I guess you haven't exactly but they were supposed to right?
On an unrelated topic I just called about an apt in Naples and they told
me that have an income maximum of $33,000?!? Here we have income
minimums, not maximums. Are we going to find this everywhere?
Thanks,
Amanda
At Sat, 15 Nov 2003, anonymous wrote:
>
>Aimee,
>Good luck trying to get good health insurance in Florida. I am in a
>legal battle with Blue Cross Blue Shield of Florida and they are
>screwing me big time. In answer to your question, yes all private
>health insurance companies exclude pre-existing conditions for no less
>than the first 12 months of service. The only way that I know of to get
>around that exclusion is to have exaughsted all other means of
>insurance, and to prove that you had insurance for a certain length of
>time before you applied for the new insurance. I am on COBRA right now
>because my husband doesn't get insurance through his work and COBRA was
>all I could get that would not exclude my endo. Once I have used up all
>my COBRA, I will be able to get private insurance without any
>pre-existing conditions exclusion policy. But until then, I have to pay
>$300 a month for health care. And of course, now BCBS of FL is trying
>to say that they don't have to follow the federal law of COBRA and they
>are denying my claims. I know that this was probably confusing, so
>write back if you have any questions.
>Jules
>
>At Sat, 15 Nov 2003, Aimee wrote:
>>
>>Hi,
>>I am considering moving to Naples, Florida from Ontario, Canada. Like
>>all of you, I have endometriosis. My hospital and doctors visits are
>>covered here by provincial health insurance and alternative treatments
>>and drugs by my husbands employee benefit plan. My husband will be
>>working for a new company which will only provide health benefits to
>>him. I have looked a little bit at private health care insurance on the
>>web to cover me in Florida, but all the companies I have looked at state
>>that they "exclude treatment of a pre-existing condition." Will all
>>insurance companies be this way?
>>Thanks,
>>Amanda
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