by frtwome » Mon Dec 08, 2008 04:20 pm
I hope that someone can help me out with this insurance problem. My husband is 52 5'6" weighs 185 he has high blood pressure, and has had for maybe 10 years, it has always been controled with medication. He goes up & down with his weight. I want to get health insurance for him, but he is considered a high risk, Aetna approved his application for PPO 1000 but increased the monthly rate from $381.00 to $572.00 per month, we can't afford to pay that, so I had to reapply for a plan with a higher deductible, I chose the PPO 5000 even if Aetna decided to double the price it would be $406.00 per month. I put on the application exactly what was on the last one that they approved, there are no health changes from July 2008 until I reapplied 11-25-2008. Sent it in online, a few days later, I checked for the status, and they declined his application. It's crazy... Last time, when approved, he was a "C" risk, this time a "D" risk. It's not fair. And now because he was declined, I can't find any decent health plan for high risk that we can afford. I am scared to get the guaranteed issued health plan. None of them are insurance companies that I have ever heard of. They are Freedom Solutions, Core, AIM. Please help me, if anyone has a solution. We live in Tennessee. Blue cross, is too much money for high risk. Thanks
frtwome[at]yahoo.com
frtwome[at]yahoo.com
Posted: Mon Dec 29, 2008 11:27 pm Post Subject:
I hope they find a way to cover it though other than raising taxes, I am tired of paying.
Have you applied for the adult chip or what ever version of adult chip your state has to offer.
Also keep in mind that the pharmasuitical companies offer free medication to people with out prescription coverage. The only thing is you have to cover the cost of the doctors visit to have the forms filled out.
Still does not help if you have an existing condition and can not get coverage at all, at least this way you could get the medication.
Posted: Mon Dec 29, 2008 11:48 pm Post Subject:
I forgot about that option. The doctors office will charge you a fee to fill out the papers but it would be a lot cheaper than the medicine itself. Some of the offers is income depending so maybe you could get on line or call the maker of the medicine your prescribed to see what all it takes to qualify for a program.
Posted: Tue Dec 30, 2008 06:25 am Post Subject:
I guess its hard if not impossible with the given economic situation, to find an affordable health insurance for someone with high health risks. You may receive coverage with your existing health condition, but are required to pay more for coverage.
The states comprehensive health plans are designed to cover high-risk people but there too you're required to pay more for the benefits. Anyways, I was just wondering why he needs to purchase private health plan. Isn't he receiving coverage through his employer?
Posted: Tue Dec 30, 2008 07:05 am Post Subject:
IMO if you have the option of signing-in for the guaranteed health plan, you should.
The state sponsored high risk pool for the medically uninsured, who can otherwise afford the health coverage, often charge extraordinary rates. The guaranteed issue health coverage restricts the providers from discriminating individuals on the basis of health condition. It also restricts the insurers from charging higher rates from the high risk insured.
Posted: Wed Dec 31, 2008 10:33 pm Post Subject:
Ohio...unfortunately does not have a risk pool. We have "Ohio Open Enrollment" which is about as effective as the Detroit Lion's offense.
Posted: Thu Jan 01, 2009 05:45 pm Post Subject:
wow, boxfullofrocks that is good, some people find it hard to get coverage especially if they have a pre existing condition, I am glad to hear that there is insurance available to those who would not normally be able to get it.
Posted: Fri Jan 02, 2009 05:49 am Post Subject:
Ohio...unfortunately does not have a risk pool. We have "Ohio Open Enrollment" which is about as effective as the Detroit Lion's offense.
Yeah, apart from Ohio, Michigan, Pennsylvania are some of the other states which don't have the high-risk-pool, but states like- Mississippi, Missouri, Kentucky, have this option available to the residents. I think the OP really needs to find it out form the state authority whether or not it's an available option in her state.
~Jeremy
Posted: Fri Jan 02, 2009 05:15 pm Post Subject: I can help.
Hi my name is Cathy Hornback and I am an independent insurance broker. I would love to help you and your husband find coverage that suits your needs for a discounted price.
I am looking forward to helping you out.
Cathy Hornback
[post edited by Evan - no self promotion please, see TOS]
Posted: Fri Jan 02, 2009 07:51 pm Post Subject:
welcome aboard Cathy, glad to have you here, I hope you will enjoy the forum and participate in the discussions going on in the threads, I am sure you will be a great assett here. welcome.
Posted: Sat Jan 03, 2009 06:19 pm Post Subject:
How do these high risks pools work? Being from PA , since they do not have them I thought it would be interesting to see how they work.
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