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Re: Anyone go From Cobra to Medical? Just at the end of my rope!From: M (anonymous@obgyn.net)Sat Sep 22 06:20:13 2007
I can def relate to your situation. I was working a full time and had after over a year of being there I had to leave. I had already taken 2 medical leaves, one due to a death in the family and the other medical leave for me when I had my laparatomy surgery in Jan. I missed more time for health reasons then I actually worked. I felt bad so I opted to leave and take cobra coverage. I will have until I pray Jan 2009(18 months). What Andrea and Jess have said is very true. It is hard to get approved for insurance with medical conditions,they want to exclude those conditions, or charge you an arm and leg for coverage. I had tried to get coverage on my own and was either turned down or told almost $1000 a month. Who can afford that? I was also told in order to get a better rate I had to be symptom free for 1 yr. How do you do that. I have endo, asthma,anemia, carpal tunnel and suffer with migranes, so I'm 26 and can't even get insurance I could afford. I would check in your area and see what might be available to you. I pray things will turn around for you. Melissa At Sat, 22 Sep 2007, Jess wrote: > >Andrea is right on this one...my husband and I have an HMO and can't >switch to PPO until his open enrollment period in jan. I applied with >Blur Cross PPO to see if I could get to Dr. Redwine sooner and have the >possibility of some coverage for the surgery. The denied me because of >the Endo and stated in the letter that I needed to be "free of any >symptoms of Endo for 12 months" before I could be reconsidered. I >thought that was funny (not really) because Endo is a chronic disease! >How could I not have symptoms for 12 months?! Geez! > >Anyways, I wish you the best in figuring all of this out. I sounds like >you have a lot of stress going on and the pain you are having is not >making things any easier. Take Andrea's advice! Get as much help as you >can, be your own advocate, and don't take no for an answer! > >Keep us posted on how things go... >Jessie > >At Fri, 21 Sep 2007, andrea wrote: >> >>It's probably a good thing actually that you have NOT been diagnosed >>with endo yet, because if you apply for new health coverage, they would >>exclude it for being a pre-existing condition. And, if you have not had >>cysts in a few years, I don't think you would have to put that on your >>application either. Ask a doctor about that to be sure. >> >>I applied for a new BlueCross PPO plan for a lower deductible, and they >>excluded coverage for anything to do with my ovaries, because I just had >>a cyst, but my doc said, that endo is not a disease of the ovaries, but >>of the uterus and pelvic cavity. It's not too bad $300/mo. and $500 >>deductible and I'm 36. So, hopefully, I can still have my surgery, but >>it will be tricky to get around the ovary thing. I know they are going >>to f with me on it. Health insurance companies try to scr*w us, so if >>you said on the app that you had endo, it would not be covered. Things >>happen for a reason. Maybe right after you get a better ins, you will >>find just the right doctor to help you. Don't give up on this. I know >>it's hard. Hang in there! >> >>-- >>Andrea :) >> >>At Fri, 21 Sep 2007, anonymous wrote: >>> >>>You need to call social services today! I am sure that you qualify for >>>major assistance from the county and state where you live. You can most >>>likely qualify for health insurance either through your state or through >>>medicaid. I really want you to make that call. You sound like you've >>>been through soooo much and you need a break!! I am sure if you get a >>>case worker to take your information,you will get the assistance you >>>need. Keep posting on here to get the support you need in the meantime. >>> >>>Good luck. >>> >>>At Fri, 21 Sep 2007, CP wrote: >>>> >>>>My Cobra runs out the end of this month....I can;t afford it any longer. >>>>I am going to apply for Medical. Has anyone gone through this process? >>>>I am trying to get surgery done before the end of the month but my docs >>>>don;t even want to give me a Lap. I feel like I am about to become one >>>>of the many that have SERIOUS health problems that keep them disabled >>>>and poor and not able to afford health care.
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