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Re: [IP] Health Insurance ~~~~
- Subject: Re: [IP] Health Insurance ~~~~
- From: Ruth Elowitz <email @ redacted>
- Date: Mon, 26 Oct 1998 21:34:59 -0800
You will have access to a Cobra policy for the first 18 months. After that you
will have trouble although how much will vary according to state, plan etc. Your
best bet is to look for large group policies you can join close to the time your
Cobra runs out. Find out the lag time of the policy (some policies cover
diabetic supplies immediately, others take a wait of everything from one month to
12 months) and start buying your new coverage that long before the Cobra runs
out. Group policies will not exempt her (or you) for the pre-existing conditions
that individual policies will. This unfortunately is expensive but even paying
the cost of 2 regular insurance policies will be better and cheaper coverage than
the high risk policies many states have. This is a very real and enormous
problem! For any of you with "kids" (anyone older than one and less than 25) on
a pump you must think way ahead for insurance coverage. I was on a pump for my
teenage years and spent much of my college years trying to squeak by b/c the cost
is so great. I hope you will not actually have to deal with this problem!
email @ redacted wrote:
> Hello everyone,
> My husband is currently employed with Phillips Petroleum Company and they
> recently announced they will be merging with Ultramar Diamond Shamrock.
> Unfortunately, this leaves us nunsure of our employment status as well as
> health insurance.
> My question is, if he were to be laid off will we have trouble getting
> coverage for Laura (since she is Diabetic) and her pump supplies? I am sure
> we will end up finding out one way or another but it would be nice to have an
> idea of what problems others have encountered.
> Many thanks, Sherri Lynn
> Insulin-Pumpers website http://www.bizsystems.com/Diabetes/
Insulin-Pumpers website http://www.bizsystems.com/Diabetes/