insurance

[hurt at work]

man i thought wc was bad im having a very hard time getting health ins.they took my wife and 7 mnth old daughter but turned me down because of my back and another place wants 1000.00 a mnth just for me and it not good ins.as of this saturday i will have not coverage at all,sure hope nothing happens.the way my luck has been going something probably will.the only good thing that is going good is my employment law suit witch is going to mediation monday.still no wc date reset yet suprise,suprise,no not really its wc LOL.

[capricorn]

Hi Hurt.... Have you tried Welfare's medical assistance ? Medicare through SSD? I hope something works for you. It's frightening. I have wonderful health insurance which I will not have the day I settle my WC case. I will have to resign and then it will be alot of $$$$$$$$$$. My husband has cancer so that pre-exisiting clause will be a problem for us. Best of luck.

CAP

[lfoster21]

Also you can look int your county/state and see if they have medical clinics. In VA, most counties have these clinics (and I know CA has them as well). It is for those who are not able to get insurance either because it is not offered to them at work or they can not affort the premiums. The price of going to the clinic is on a sliding scale fee, so anyone without ins. can get help. Its just the more you make, the more you pay...or visa versa.

Good luck,
Lorie

[Pooh]

I know cobra is expensive but that is always an option. Also if you have been continually covered, most times the pre-existing clause is non-existent these days. The thing you need is a letter saying that you have been continually covered for the amount of time that the pre-existing clause is.

Even when I was on cobra and switched to drillers insurance, I had no pre-existing clause to deal with because of the letter saying I was covered continually.

[hurt at work]

my problem is i get to much money from ttd plan from my exemployer to get state insurance ssd is still in the works.so i guess ill have to see what happens.thanks all.

[hurt at work]

hi pooh the bad thing is that was my cobra coverage thats ending but everyone keeps looking at my back and they see i need more work done.all they see is how much it will cost them if something needs done or goes wrong they just say no.i also found out to day that if you have law suit against ur employer other than wc and i do,my attorney told me you get penlised on the money end for filing for ssd.thats crap and i wont get as much even if you have not got ssd yet you still get some of the money reduced.i think thats wrong but between this and wc suit gotta get something or what you can.

[capricorn]

Pooh ... Thanks for reminding me that without a lapse in coverage that pre-existing clause is waived.


CAP

[hurt at work]

i have no lapse in coverage until saturday then i will and they still dont like me.this stinks

[Bad Boy Bad Boy]

Hurt at Work, and others. My Brother-in-Law which is also in Indiana, has had the same problems since he had a minor heart attack. He needed to obtain home owners insurance, and they want to rip him a new one also. There isn't much justice once one is injured or became ill with these insurance companies. But they are being sued every day, just for these issues being talked about here.

[hurt at work]

i just hope i dont get hurt or im out of luck and have to pay out of my pocket.its crap they wont cover me its not like you ask to get hurt.