She has been notified that her 2 year, company plan term has run out. She has serious health concerns and must find a replacement plan by Aug. 30th. Many companies have contacted her but she is unsure… Please advise!!!!!!!
Mike_T says:
I know exactly how you feel, I was in a very similar situation. I remember that I was so nervous at that time and I took it out on everyone around me. I didnt know what could I do until, thanks god, I found Smoke Deter. Now I can look back and laugh on myself and in the same time I remember how helpless I was. I hope that I'll never be in the same situation again
if shes disable, try medicade, go to your local family services and apply, they should help her out
Very few insurance companies cover anyone with existing conditions .
And legitimate ones that do will be over a $1000 a month .
If she applied for Social Security Disability , she will get Medicare 24 months after the SSDI starts .
Sorry about that , but medical care reality suckkkkkks .
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If you are refering to COBRA benefits running out, she may now qualify for a portability policy. These are individual policies that require no medical underwriting, and her pre-existing conditions would be covered. Portability plans are very expensive. I suggest a high deductible plan such as an HSA, (Health Savings Account,) qualified plan. In Arizona such a plan would be $600-$800 a month, $5000 deductible, Blue Cross of AZ. You must apply in the state you reside.
Well, she’s going to have to get them through Medicare – once you’re on SSDI for 27 months, you’re eligible for Medicare.
That’s going to be her only shot, unless your state has a high risk health pool – some do. No private company is going to take her on.
She could try her state’s high risk pool if she cannot get any state funded insurance.