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Re: Can't get insurance because of PCOS, help!
From: anonymous (anonymous@obgyn.net)
Wed, 12 Jun 2002 19:50:52 -0500 (CDT)
The portability act doesn't apply to those who go from one individual
health plan to another individual health plan -- unfortunately, I've
learned this from my present ongoing experience. I also cannot get
individual coverage -- apparently the insurance companies only want
healthy people -- those with any medical problem are out of luck --
unless you want to pay really high premiums to go into the state
high-risk pool -- problem is, many can't afford such premiums. Guess I
could check out what the city hospital charges for healthcare. I really
hate being in this situation -- this is America, and yet healthcare is
out of reach for many. I wish it were as Pat suggested, basic
healthcare for all -- yes I realize that some canadians complain about
their healthcare system, but from where I stand, it looks darn good to
me (does that mean I have to move to Canada for healthcare :o( ). I
wish we had national coverage, and for those who wanted a stepped up
health plan, additional coverage could be purchased. Okay, guess I
better stop dreaming...
At Wed, 12 Jun 2002, Pat wrote:
>
>Wow, this is an interesting situation. It is probably PCOS is
>considered a 'pre-existing condition' and there is a wait time for
>getting on the insurance. Also, when you leave a job, usually you can
>get Cobra, which is an extension of your current coverage while you find
>new coverage, or a new job. Health insurance is fairly necessary, so I
>suspect you will eventually find something
>
>Life insurance is a different thing. That is insurance for risk, and
>PCOS could be considerd an increased risk factor, like diabetes. So, it
>makes sense the rates are high. Life insurance is not essential but a
>nice to have.
>
>If you have further problems I suggest you contact your State Insurance
>Commissioner, or at least go to their web site, and see what is there.
>Usually the Office of the Insurance Commissioner can help you find out
>where and how to get the correct Insurnace for heatlh care.
>
>My personal opinion is that Health care should be an entitlement for
>all, and that all have basic coverage, which would cover essential
>medications such as what you are taking for a medical condition. It is
>a shame folks have to go through such hoops to get health insurance.
>
>--
>Pat Sonnenstuhl, ARNP, CNM, MS
>Balanced Eating Support
>http://home.attbi.com/~cnmpat/favlowcarbsites.htm
>http://home.attbi.com/~cnmpat/siteindex.htm
>PCOS Support
>http://www.midwivesofwa.org/pcos.htm
>http://www.midwivesofwa.org//pcosarticles.htm
>
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