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 Posted: Fri Dec 11, 2009 7:12 am Post subject: |
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Great info everybody! Just wished to add that these short term policies would cover for 30-365 days in general.
They're hard on you if you have pre-exisiting conditions and even when you have one, please go through the conditions and exclusions carefully.
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anonymous12
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| Posted: Sat Dec 12, 2009 1:39 am Post subject: health insurance choices for diabetic |
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I'm single diabetic 47 yr old female not kids, in OC California, want to retire, but the health care choices are atroious.
My CA company Cobra payments are $660/month. will last 36 months due to Cal - Cobra. After that HIPPA premiums are not much lower.
I'm engaged to be married, and he (55) is self employed has health insurance that costs ~ $700/month.
Is there any hope for me to get reasonable health insurance? or should I just wait until I am 55 and take advantage of my company's retiree health insurance plan, of $375/month
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Wanna retire
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| Posted: Sat Dec 12, 2009 6:16 am Post subject: |
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If you're currently insured under the Cal-COBRA continuation privilege, at the time it ends, you'll be eligible for a Guaranteed Issue policy from any insurer still doing business in California, despite your otherwise unfavorable diabetic condition. You don't mention how many more months you have left on your continuation privilege.
When you mention "health insurance" and premiums of $660 or $700, you don't indicate whether the coverage is for HMO or PPO, what the deductible is (if any), what the office copay is, or what the maximum out-of-pocket expense is, just to name a few. I can show you and your fiance OC rates for PPO coverage from Blue Shield/CA as low as $236 per month or as high as $705 for a person his age -- but that's unfair without knowing what he already has and being able to make an apples-to-apples quote for comparison.
Also, if you were able to go to work for his business, the two of you would probably qualify for a Guaranteed Issue small group coverage (minimum of 2, maximum of 50).
8 years is a long time to have to wait for a retiree benefit plan (and you can bet it won't be just $375/mo at that time). There is good coverage at reasonable cost to choose among from Blue Shield, PacifiCare, HealthNet, CIGNA, and Aetna (the companies I currently represent). HMOs, PPOs, and HSA-compatible High Deductible Health Plans. It's not as awful as you may believe.
Your diabetic condition (and any other health challenges) is the primary obstacle. But if your height and weight are within normal range, you're not on an insulin pump, and you don't have high blood pressure, you would not be likely to be turned down, although you could expect to be rated "substandard" and pay a higher than standard premium.
I'm in Pomona, very close to OC. Send me a private message and I will be happy to give you more information. You don't want to broadcast your health information on a bulletin board.
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MaxHerr
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| Posted: Fri Jan 22, 2010 3:49 pm Post subject: pre existing conditions |
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cal me today 860 447 9040 any health insurance companies in conn that deal with pre existing bulging disks and space narrowing canal jan falk 860 447 9040
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jan falk
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| Posted: Sun Jan 24, 2010 11:45 pm Post subject: CANCELLATION OF POLICY |
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I WILL BE GOING ON MEDICARE APRIL 1, 2010, HOW DO I GO ABOUT CANCELLING MY POLICY WITH CINGERY AND GET THE BANK DEDUCTION STOPPED
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PAT SUTTON
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| Posted: Wed Jan 27, 2010 9:20 pm Post subject: picked wrong coverage |
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We picked wrong health insurance coverage, we can't afford what we picked (by mistake) can it be changed?
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teppi
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| Posted: Thu Jan 28, 2010 8:26 am Post subject: hi |
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thanks for all the interesting inputs
link deleted per terms of use |
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shilpaworld01
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| Posted: Sat Jan 30, 2010 10:37 pm Post subject: |
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Just buy a regular health plan and cancel it when you are finished.
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insurancebydave
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| Posted: Wed Feb 03, 2010 10:44 am Post subject: Cancellation of policy |
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| You can terminate the present policy and look for another affordable one. Generally there is no provision against cancellation of a policy except in case of a Medicare where you need to apply to the Health care Financing Administration (HCFA) if you choose to get private insurance. |
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Veronica
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OhioHealthInsurance
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