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Topic: CH friendly Health Insurance? (Read 232 times) |
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Ming
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CH friendly Health Insurance?
« on: Jul 12th, 2005, 12:03am » |
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Hello. Has anyone had any luck getting insured directly (not through work , spouse, or organization) with a health insurance company with headaches?
I've been denied twice now by Blue Cross & Blue Shield, and a few others as well, who have stated that my headaches and single emergency room visit makes me uneligible. I was able to extend my student insurance until August, but then the gig will be up. I'm already swimming in debt from medical bills ($1,400 MRI, scripts, doc visits, physical therapy, accupuncture, etc...).
Specific companies to apply for (particularly in Illinois) or any other routes for coverage or success stories appreciated. Thank you.
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Topical
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Re: CH friendly Health Insurance?
« Reply #1 on: Jul 12th, 2005, 2:42am » |
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What type of policy do you have? Did a neuro diagnose you with CH and recommend the tests?
I had excellent results with Blue Cross, way better than Aetna. However, both policies were through my employer. I can't see how you would have been saddled with those bills. You appealed their decision and it was rejected?
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Ming
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Re: CH friendly Health Insurance?
« Reply #2 on: Jul 12th, 2005, 11:35am » |
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Yes, those were all tests assigned by my neurologist. I have had cluster headaches for close to ten years now.
Blue Cross denied me for having the headaches, I reapplied, and they were explict, again, about not being able to cover me because of them.
I am self-employed and going to the insurance companies directly - not through a group employer.
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pattik
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Re: CH friendly Health Insurance?
« Reply #3 on: Jul 12th, 2005, 11:46am » |
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Hi Ming...I am also self-employed, and have found a similar problem. Earlier this year I tried to get a high-deductable policy for health savings account use, and was turned down as a result of being honest on my application. And I didn't even want RX coverage. I was told by a friend that if I had appealed the decision, it might have gone through the second time. At any rate, I may try again, when I have the time. Meanwhile, I'm stuck with my HMO which has pretty high premiums. You might want to try an appeal.
Patti
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KMT
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Re: CH friendly Health Insurance?
« Reply #4 on: Jul 12th, 2005, 12:21pm » |
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Still waiting on work insurance to pay my bills they are waiting to see if I have had this over 6mo. prior to working with them and if so they won't pay for my doctors visits. I pray to god I come under. Here at the end of this month I am no longer covered by any insurance since I will be going to school full time. Nobody wants to take someone with an existing condition when they know the cost of experimentation we go through. 
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aka...................................................... KimY
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Sandy_C
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Re: CH friendly Health Insurance?
« Reply #5 on: Jul 12th, 2005, 12:30pm » |
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Self-employed here too. Health insurance coverage 
Right!!! The last policy I got is a high deductible ($4000) with no doctor co-pays, with the exception if I have to go to the hospital I do have to pay a $500 co-pay, on top of the deductible. The only reason I have this coverage at all is because I have had to resort to the lie on the application. Was turned down by three companies, and rated by two more. The insurance industry in this country sucks. And, by the way, for the above lovely coverage, I have the privilege of paying a premium that's as high as my mortgage.
Nobody wants me
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Lean on me when you're not strong
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nani
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Re: CH friendly Health Insurance?
« Reply #6 on: Jul 12th, 2005, 12:59pm » |
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on Jul 12th, 2005, 12:30pm, Sandy_C wrote:
Nobody wants me
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I know that feeling. I'm going to start taking classes again in the hopes that Student Health insurance will take me. 
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Others may come and go, but MY power is MINE.
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Bob_Johnson
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Re: CH friendly Health Insurance?
« Reply #7 on: Jul 12th, 2005, 4:47pm » |
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An oxymoron !
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Bob Johnson
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yikes-another-one
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Re: CH friendly Health Insurance?
« Reply #8 on: Jul 14th, 2005, 10:55pm » |
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They get us all on the "pre-existing" clause.
If you were not diagnosed, you don't have to disclose it.
but onc eyou get a label, then the previous insurance should still cover you....
I am so close to walking away from all the medical
so called professionals. I picture myself in the woods,
like the long ago Indians, bravely laying aside any ilusions....opeing up to the "Great Spirit" and saying, "if you want me, take me...otherwise....fix me!"
And then waiting. and waiting and waiting.
I think I will get a better respionse form the great Spirit.
at least he isn't booked until next September.... 
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Psalm 23 - Goodness and mercy shall follow US all the days of our lives and WE will dwell in the house of LOVE forever.
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Sandy_C
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Re: CH friendly Health Insurance?
« Reply #9 on: Jul 15th, 2005, 9:04am » |
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on Jul 14th, 2005, 10:55pm, yikes-another-one wrote:
I think I will get a better respionse form the great Spirit.
at least he isn't booked until next September.... |
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Lean on me when you're not strong
And I'll be your friend
I'll help you carry on
For it won't be long
Till I'm gonna need
Somebody to lean on
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Sandy_C
CH.com Alumnus
New Board Hall of Famer
Burn that bra!
Gender:
Posts: 2585
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Re: CH friendly Health Insurance?
« Reply #10 on: Jul 15th, 2005, 9:08am » |
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on Jul 12th, 2005, 12:59pm, nani wrote:
I know that feeling. I'm going to start taking classes again in the hopes that Student Health insurance will take me. |
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That's a great idea! Maybe I should try that. Wonder what I should study - I've always wanted to learn belly dancing. I hear it's great for the abs! Wonder if that would qualify!
Seriously, Nani, good luck! What classes will you be taking?
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Lean on me when you're not strong
And I'll be your friend
I'll help you carry on
For it won't be long
Till I'm gonna need
Somebody to lean on
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