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Community Support Team 
Member Since Mar 2006
Location: Ontario, Canada
Posts: 11,534
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Dec 06, 2010 at 03:06 PM
#1
I'm losing my supplemental health insurance from my last job as of Dec. 31. I had applied for private insurance through a group plan that a networking group I belong to sponsors. I just found out today that I got turned down for the insurance. I'm not really surprised. With my psychiatric and addiction history, I'm not a great candidate, but I'm still dissappointed. Makes it all the more important to try and find a job by the end of Dec.
--splitimage __________________  "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba 
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Wise Elder
Member Since Oct 2008
Location: Australia
Posts: 8,135
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Dec 07, 2010 at 09:59 AM
#2
im so sorry ((((splitimage))))) even thogh you may have expected it it still is disappointing
 Good luck wiht your job hunting 
__________________ Its not how many times you fall down that counts  its how many times you get back up!   (Thanks to fenrir for my Picture  )When you have come to the edge of all light that you know and are about to drop off into the darkness of the unknown, Faith is knowing One of two things will happen: There will be something solid to stand on or you will be taught to fly. by Patrick Overton, author and poet |
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Veteran Member
Member Since Sep 2010
Location: U.S.
Posts: 558
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Dec 16, 2010 at 06:28 PM
#3
"I'm losing my supplemental health insurance from my last job as of Dec. 31. "
Many supplemental insurance carriers will let you continue the coverage and bill you at home. If you have the money to pay and want to keep the coverage, call up the insurance company before December 31st and ask about converting it to an individual policy. They might even keep the premiums the same as at your last job. Good luck! |
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Moderator
Community Support Team
Member Since Mar 2006
Location: Ontario, Canada
Posts: 11,534
18 79 hugs
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Dec 16, 2010 at 11:21 PM
#4
thanks Vossie42, but we don't have anything like Cobra in Canada that lets you continue your work insurance by paying the premiums yourself. It's a really big rigamarole for companies to even continue offering health insurance to individuals through the severence period.
Fortunately I found a job, that has a great benefits package but I have to wait 3 months for it to kick in. So I'm going to get my pdoc to write a 3 month supply on all my scripts, which I know he'll do, so that at least I'll have my meds while I'm waiting for my new benefits to start. --splitimage __________________ "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba
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Skeleton Queen
Chat Leader
Member Since Feb 2010
Location: Northeastern Pennsylvania
Posts: 8,040
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Dec 17, 2010 at 08:34 AM
#5
Do you have a COBRA option...or was that what you were on? COBRA is expensive but at least you will have some coverage. Also, try the assistance office if you are in the US, you may qualify with your mental health history...sometimes income doesn't count in that instance. Good luck!
__________________ Be who you are and say what you feel... Because those who matter.. Don’t mind... And those who mind.. Don’t matter." (Dr. Seuss) 
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Skeleton Queen
Chat Leader
Member Since Feb 2010
Location: Northeastern Pennsylvania
Posts: 8,040
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Dec 17, 2010 at 08:35 AM
#6
Oh wait, just saw your post, wow, then that really is a sticky situation. Does Canada have goverment assistance programs like Medicad?
__________________ Be who you are and say what you feel... Because those who matter.. Don’t mind... And those who mind.. Don’t matter." (Dr. Seuss)
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Poohbah
Member Since Oct 2010
Location: In Your Face
Posts: 1,104
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Dec 18, 2010 at 10:12 AM
#7
I hope things work out for you.HUgs
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Moderator
Community Support Team
Member Since Mar 2006
Location: Ontario, Canada
Posts: 11,534
18 79 hugs
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Dec 18, 2010 at 11:36 AM
#8
Thanks everyone for the suggestions. Yes if you're on social assistance you can get a drug card from the governement that covers your perscriptions, or if you have a catastrophic illness that requires really expensive meds, like HIV, you can apply for the Trillium program which covers your meds and you pay a deductable based on your income. I don't quallify for either.
But happilly this is no longer a problem as I got a new job with great medical benefits starting Jan. 4. Unfortunately I have to wait 3 months for the benefits to kick in, so I'm just going to get my pdoc to write all my scripts for a 3 month supply to carry me through utill my coverage starts. And I just had a bunch of dental work done, so I should be good until my new coverage starts. --splitimage __________________ "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba
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Poohbah
Member Since Jun 2005
Location: Ontario, Canada
Posts: 1,474
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Dec 18, 2010 at 05:11 PM
#9
I'm on the Trillium program and I don't have a catastrophic illness. Anyone can apply to the Trillium program. If your meds cost more than 4% of your income the government will pay anything more than the 4%. You can have a really high income and still qualify for the Trillium program if your meds cost more than 4% of your income.
Not having supplementary insurance in Canada isn't a very big deal because that just means meds, chiropractors, psychologists, glasses and dentist are not covered for the most part. In Canada everyone gets to see doctors for free. (Well they are paid for by taxes, but everyone is covered.) No one in Canada will go bankrupt for instance because of an unexpected surgery or ER visit. __________________ 
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My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.
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