FAQ/Help |
Calendar |
Search |
Today's Posts |
|
Traumatic Brain Injury and Post Concussion Syndrome For traumatic brain injury (TBI) and post concussion syndrome (PCS). |
Reply |
|
Thread Tools | Display Modes |
04-01-2011, 12:28 PM | #1 | ||
|
|||
New Member
|
Has anyone had trouble getting new health insurance since their tbi and pcs?
I realize that a new law is going into effect that will prevent insurance companies from denying you coverage due to a pre-existing condition. But, it does not prevent them from charging very high rates to cover you. Any comments? |
||
Reply With Quote |
04-01-2011, 01:09 PM | #2 | |||
|
||||
Member
|
My problem is I haven't had insurance in a decade.
I don't know how I can afford it. Maybe someone else has tips? |
|||
Reply With Quote |
04-01-2011, 04:02 PM | #3 | ||
|
|||
Junior Member
|
Quote:
__________________
stevesworldnyc. Conditions: 4 cervical herniated discs, Peripheral Neuropathy, chronic kidney stones, Spinal Stenosis, 8 herniated discs (4 lumbar, 4 cervical), migraine headaches, sciatica, radiculopathy, HIV, lipid disorder, insomnia. Meds: Oxycodone, metaprolol, Atripla, Tizanidine, Frova, Ambien, Dronabinol, Combivent, Topomax, Crestor, Albuterol Sulfate via nebulizer, Advair, Trimethobenzamide, Excedrin Migraine, and Miralax. |
||
Reply With Quote |
04-01-2011, 06:23 PM | #4 | ||
|
|||
Legendary
|
I could not get insurance when I moved to Idaho from California 11 years ago. I kept my northern California based Kaiser plan.
From what I understand, the insurance cos want you to have not been treated or prescribed medication for the health condition for the previous 6 or 12 months, depending on the company. I was on meds that I could not stop taking so i stayed with Kaiser until my SSDI with MediCare was approved. I had to travel to California for my routine care. Not a big problem since I have family in Sacramento. Since PCS is not a condition that requires doctors' treatment, it is possible to get past the time limit to qualify for health insurance. I have lived with PCS for 45 years. Not a lot of need for doctors once you understand the symptoms. Once your symptoms stabilize, it should not be a problem. If you currently have or had health insurance, you can get a Certificate of Health Insurability or something like that to provide the new company. Jeffrey, I have paid for my own and my families health insurance since 1976 when I dropped off my father's plan at 21 years old. It has been a matter of financial priorities. Rent and health insurance were always the first bills paid. Hope this helps. My best to you.
__________________
Mark in Idaho "Be still and know that I am God" Psalm 46:10 |
||
Reply With Quote |
04-01-2011, 07:40 PM | #5 | |||
|
||||
Member
|
Mark, that's great you've been able to do that for your family.
My income has been sporadic since the effects of 9/11, but I've managed to stay out of debt (until just now...) The small company I'm with may finally have the breakthrough I've been hoping for the past six years or so- very soon (Lord willing). In the meantime, hope insurance goes well for the TC (topic creator). |
|||
Reply With Quote |
06-01-2011, 01:57 PM | #6 | ||
|
|||
New Member
|
Quote:
|
||
Reply With Quote |
06-01-2011, 02:43 PM | #7 | ||
|
|||
Legendary
|
The common standard insurance companies use if based on how long it has been since last treatment. They use 6 months and 12 months as standards, depending on the situation.
The toughest part of this is they consider ongoing prescription medication to be continuing treatment. I would have had to stop taking my meds for 6 months or 12 months before I could qualify as No Pre-existing Conditions. Some policies will restrict coverage for the pre-existing condition for a specified period of time (6 or 12 months), especially if it is just a chronic issue that does not require expensive treatment. Thus, they cover the other medical issues without limits beyond the normal health plan restrictions. The state you live in may have rules that govern these issues. How is your husband doing? What kind of a TBI did he suffer? Is he able to work productively?
__________________
Mark in Idaho "Be still and know that I am God" Psalm 46:10 |
||
Reply With Quote |
Reply |
|
|
Similar Threads | ||||
Thread | Forum | |||
So, even when you have insurance... | Multiple Sclerosis | |||
no insurance | Social Security Disability | |||
Health Insurance Problems | Reflex Sympathetic Dystrophy (RSD and CRPS) | |||
Insurance problems | New Member Introductions | |||
Problems With Insurance Covering RSD Article | Reflex Sympathetic Dystrophy (RSD and CRPS) |