My state insurance goes away at the end of October -- both because I'm now making too much money, and because I'm leaving the state.

Prior to getting on it in May, I had WI state insurance, and had it through work prior to that, beginning in April 2005.

Here is my problem: I have two enormous pre-existing conditions (the psych stuff, obviously, plus a blood clotting disorder). I need both of them covered. There are ways around the psych stuff, but my clotting disorder requires a relatively frequent checkup, and it's over $100 a pop. No way I can do it.

My insurance at my new job won't start till Dec. 1. Somebody told me they can't nail you for pre-existing conditions if you've been insured for the 18 months previous. April 2005 - Oct. 2006 = 18 months. But from Nov. 1 to Dec. 1, I will have nothing. Is that going to screw me up as far as getting the pre-existing conditions covered?

I have looked at short-term, individual plans. 1) I'm way overweight (like, 80 lbs or so). 2) I cost my last insurance co. $300,000 in 5 weeks last year by coming down with a catastrophic illness. 3) I'm a nutjob (and I say that with all possible affection :-)). There is not a chance I can afford an individual plan, even for a month. The deductibles are out of sight (100%, in some cases! -- what's the point of insurance?!), or they don't include prescription coverage, or something equally stupid.

Can anybody help with this one??

thanks,
Candy