Re: Anyone go From Cobra to Medical? Just at the end of my rope!
From: anonymous (anonymous@obgyn.net)
Sun Sep 23 01:42:49 2007
bad stories of kaiser on erc
http://health.groups.yahoo.com/group/erc/
http://health.groups.yahoo.com/group/EndoDocs/
At Sat, 22 Sep 2007, CP wrote:
>
>Thank you SOOOOO much everyone, your words of encourage and advice are
>greatly appreciated! Maybe not getting the surgery with Kaiser and then
>waiting for Medical (pray I get it, I don't see why I wouldn't....accept
>if they turn me down for my past high earnings?) and getting out of
>Kasier would be good, getting out without them diagnosing me with Endo.
>Per the Medical booklet they offer a few selection for health plans,
>they suggested I use Kaiser since I should be able to get coverage
>faster since I am already with them, hence I chose them, BUT now that I
>am in Northern Cal. (applied in San Diego) then I will see if I can
>reapply up here and ask for one of the other plans. Going to post a
>message asking whom others suggest for proper endo care.
>Again thanks a lot for your help.
>Hope you all are having a somewhat pain free good day!
>Cherise
>
>At Sat, 22 Sep 2007, M wrote:
>>
>>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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