health insurance question

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

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candybear said:
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

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I will try as I used to pay claims involving pre-ex and work customer service as well.

Check with your local Dept of Insurance...you can Google it. Here where I live you couldn't have a lapse of greater than 63 days in your continuous coverage or you'd be subject to pre-ex. You'd be cutting it really close. Make darn sure you get what is called a CCC, Certificate of Cerditable Coverage; that will tell how long you were covered, it's a paper you'll get from your former insurer. Make SURE that date span is correct. I got one from a company once and they had messed up, so I had to get another corrected one. Check with the DOI and let me know what you find out!

Meanwhile, here is a link about HIPAA and CCC's from the Dept. of Labor:

http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html

RainbowFaerie

Thank you so much! I checked out the dept. of insurance where I'll be moving, and you can't have more than a 62-day break. I'll only have a 31-day one. Good news! Thank you for helping!!

CB

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candybear said:
Thank you so much! I checked out the dept. of insurance where I'll be moving, and you can't have more than a 62-day break. I'll only have a 31-day one. Good news! Thank you for helping!!

CB

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I am glad I could help you. It's no joke to get pre-existed, not when you have stuff like we do!

RainbowFaerie