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I was laid off last month from work and previously had health insurance with Blue Cross/Blue Shield of Florida. I experienced a DVT in my calf while covered under same health insurance. I have received a certification of creditable coverage from BC/BS. Wondering if my DVT would be covered if I sign up for coverage on my own with them under a new plan? Thoughts?
My guess, if you try and sign up with BCBS, they are going to treat you as a new customer with an existing condition with a higher premium. Roll on Obamacare...
I have paperwork from SOI indicates my monthly premium would be $453.63; not in my budget; under employer plan it was under $100/month. Looking at a possible job w/o benefits, but better income & considering three plans BC/BS of FL offers under $200/month:
Blue Options 700 $182/mo.
Blue Select 225 $ 161/mo.
Blue Options 706 $139/mo.
The answer is it depends. In our state, most likely you would not have issues with that being covered, in other states you might. Call BC/BS and ask how they would deal with that moving from a group plan to an individual plan. They will probably tell you that they can't give you a definite answer and you have to apply to see--that means it's not an automatic reject and they will have to review your records. If they say that it won't be covered, then you know. If they do reject you or won't cover you, in many states that is enough to qualify for a state sponsored plan if your state has one.
The answer is it depends. In our state, most likely you would not have issues with that being covered, in other states you might. Call BC/BS and ask how they would deal with that moving from a group plan to an individual plan. They will probably tell you that they can't give you a definite answer and you have to apply to see--that means it's not an automatic reject and they will have to review your records. If they say that it won't be covered, then you know. If they do reject you or won't cover you, in many states that is enough to qualify for a state sponsored plan if your state has one.
Thank you for the great info; I'll look into it next week.
Let me advise you that the health insurance companies look for ANY little thing to totally reject you from coverage. When I lost my job I applied to the company that had our company insurance. They basically had all my records from what they paid and knew that I never went to the doc for little things. They also knew I had arthritis as I went to a rheumatologist ONCE in 2 years, who told me that I didn't need to come to him as my regular internist would do, who I visited once each year. We also had certificates of coverage and discovered that they only apply when you are going with another group policy through and employer. It doesn't apply for individual coverage. We had to apply as a totally new customer and they denied me coverage because of my arthritis in my back. They also denied my husband as well because of sleep apnea...instant reject, even though he only went to a doc twice in each year. We suspect it was more because we were both around age 60 and they didn't want us. So we went on COBRA at $1300/ month, which ended in March. Hopefully you won't have that problem.
There are supplemental policies out there that covers certain things. We temporarily have some of those to get us through until the end of the year. Alliance discounts some things, like lab work, and has some other benefits. We also have one Heritage that pays money each day if we are hospitalized. NOT the same as health insurance, but if anything big happens we have a bit of coverage.
If you can't afford your COBRA I suspect you will not be able to afford any state high-risk policy either. Of course it depends on your state, but in SC our high risk policy would have cost more than COBRA with less benefits. Also, the federal high risk has stopped taking applications, and I think some states have also stopped taking applications as well. Sounds as though your best bet will be to wait for 1/1/14.
Let me advise you that the health insurance companies look for ANY little thing to totally reject you from coverage. When I lost my job I applied to the company that had our company insurance. They basically had all my records from what they paid and knew that I never went to the doc for little things. They also knew I had arthritis as I went to a rheumatologist ONCE in 2 years, who told me that I didn't need to come to him as my regular internist would do, who I visited once each year. We also had certificates of coverage and discovered that they only apply when you are going with another group policy through and employer. It doesn't apply for individual coverage. We had to apply as a totally new customer and they denied me coverage because of my arthritis in my back. They also denied my husband as well because of sleep apnea...instant reject, even though he only went to a doc twice in each year. We suspect it was more because we were both around age 60 and they didn't want us. So we went on COBRA at $1300/ month, which ended in March. Hopefully you won't have that problem.
There are supplemental policies out there that covers certain things. We temporarily have some of those to get us through until the end of the year. Alliance discounts some things, like lab work, and has some other benefits. We also have one Heritage that pays money each day if we are hospitalized. NOT the same as health insurance, but if anything big happens we have a bit of coverage.
If you can't afford your COBRA I suspect you will not be able to afford any state high-risk policy either. Of course it depends on your state, but in SC our high risk policy would have cost more than COBRA with less benefits. Also, the federal high risk has stopped taking applications, and I think some states have also stopped taking applications as well. Sounds as though your best bet will be to wait for 1/1/14.
This really depends on the laws in your state, not the insurance company. Your arthritis would have not have caused you to be rejected from a policy in our state and our state high risk plan is on a sliding scale so some people pay nothing, others will pay more but they will not pay $450 for one person, and it's a pretty good plan with great coverage. It was used as one of the models for the ACA.
I have paperwork from SOI indicates my monthly premium would be $453.63; not in my budget; under employer plan it was under $100/month. Looking at a possible job w/o benefits, but better income & considering three plans BC/BS of FL offers under $200/month:
Blue Options 700 $182/mo.
Blue Select 225 $ 161/mo.
Blue Options 706 $139/mo.
I can assure you the total premium under your old employer WAS NOT under a $100.00, that was just what you paid, they covered the balance which was more likely more than you contributed.
I can assure you the total premium under your old employer WAS NOT under a $100.00, that was just what you paid, they covered the balance which was more likely more than you contributed.
She didn't say that, SHE paid under $100....
Employers HAVE to pay at least 50% of the premium in order to qualify as a group plan....
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