laid off 21 days ago ,wife has cancer (Austin: sale, construction)

[Exiled Texan]

Pay for Cobra, no matter how expensive.

[texastrigirl]

First off, I am sorry for your situation. I have read your previous posts and it sounds like things have been rough for a while for you.

I agree...do not let your COBRA lapse until you are covered elsewhere. Do whatever you can to keep that coverage consistent with no gaps until you can find something else that covers you.

[cBach]

Agree with others, get COBRA and pay for it for the full time - 12-18 months I believe.

Now that there is no pre-existing exclusion, if you manage to get coverage, they will have to cover the cancer treatments.

I'd look at any jobs with health benefits, even low paying ones. The cancer treatment benefits will far outweigh a lower salary.

[Austin97]

Originally Posted by winkosmosis

This is exactly why having health insurance tied to employment makes no sense. You'll never be able to get individual health insurance either, because no insurance co is stupid enough to take a customer who will cost them money.

on the plus side obama pushed through banning pre existing condition exclusions.

[Arabianhorsebreeder]

Originally Posted by Austin97

on the plus side obama pushed through banning pre existing condition exclusions.

That applies only to children, doesn't it?

To the OP, sending prayers your way for a positive outcome in finding work and your wife getting well. Take care

[winkosmosis]

Originally Posted by Austin97

on the plus side obama pushed through banning pre existing condition exclusions.

Yes but they can still charge whatever they want.

[Austin97]

Originally Posted by winkosmosis

Yes but they can still charge whatever they want.

Pre-Existing Condition Insurance Plan: Texas | HealthCare.gov

preexisting condition insurance plan

PCIP covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, even if it’s to treat a preexisting condition.

Please note rates have changed as of July 1, 2011. The monthly premiums for your state are:

Age Standard Option Extended Option HSA Option
0 to 18 $133 $179 $138
19 to 34 $199 $268 $207
35 to 44 $239 $323 $248
45 to 54 $306 $412 $318
55+ $426 $572 $442

[Mrs.JT]

My intent isn't to be contrary, but I noticed that this poster often starts a thread asking for help, and after so many people jump in to offer input and suggestions, he never returns to the thread.

His posts might very well be sincere. If they are, I hope he's at least reading the responses, and I hope he gets the help he needs.

If not, he shouldn't be starting random threads that are of such a serious nature. People are taking their time and putting in effort to research and post responses.

[Exiled Texan]

He may be busy, at a hospital, overwhelmed, etc.

[Mrs.JT]

Yes, possibly, but it seems to be a pattern. He's done the same with previous threads that he started.

Again, if he's reading the responses, I hope the information he's been given is useful.

If not, then a lot of people are taking the time to research information in vain.

I hope it's the former.