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Medical insurance question

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Medical insurance question

Posted by lovebird on June 04, 2002 at 16:13:12:

My husband just started a new job and bought
home a packet for medical insurance.

I had to leave my job teaching because of being diagnosed with RA.So I haven't had insurance.
Can I get it now?

It looks like so much to read and understand.

Can someone give me some insight on what is the best plan and I guess my main question is..can I get insurance with RA?

Also I read about a medical savings plan where the money you put in is just like another savings account.

I just need some guidance with this.

Thank you




Re: Medical insurance question

Posted by Raisa on June 04, 2002 at 17:13:38:

In Reply to: Medical insurance question posted by lovebird on June 04, 2002 at 16:13:12:

Hi, lovebird -
Since your husband will have medical insurance with his new joy, you should be able to be included. In fact, this would really be the best idea if his plan is at all good. My son is on his wife's medical insurance because she has a better plan than he can get. Raisa
s



Re: Medical insurance question

Posted by Donna E. on June 04, 2002 at 17:20:50:

In Reply to: Medical insurance question posted by lovebird on June 04, 2002 at 16:13:12:

You should be able to get the insurance because it is a group plan and probably will not require that you get a physical first. It is different than if you were going out on your own to get insurance. When was the last time you were covered by insurance? Did they give you a certificate of coverage when you terminated with them?

I can tell you from my experience what the "best" plan is for me. That would be a PPO plan, not an HMO plan. I do pay more, but I pick and choose the medical professionals that I want and pick the treatment that I want. I don't have to get referrals or permission to see any doctor. I would see this type of doctor anyway and I figure having the insurance is a plus to cover whatever they will cover and in case I have an accident and get a broken bone or something.

I have a PPO and have just found a doctor that I am going to try who happens to bill the insurance company directly for his services. This is hard to find with this type of doctor.

Look below for what type of doctor this is. An HMO would never cover these services or cover the labs that this doctor chooses to use.

What you have to determine up front is how much you are willing to pay for your medical care and the quality of care you expect to receive.

BTW, what state do you live in?



Re: Medical insurance question

Posted by Naya on June 04, 2002 at 17:55:17:

In Reply to: Medical insurance question posted by lovebird on June 04, 2002 at 16:13:12:

It would be wise to check the policy to see if it has any coverage limitations regarding pre-existing conditions. The other posters are giving you very good advice.

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Re: Medical insurance question

Posted by lovebird on June 04, 2002 at 18:37:36:

In Reply to: Re: Medical insurance question posted by Donna E. on June 04, 2002 at 17:20:50:


Wow
Thank you so much
I learned a lot.
I haven't read through all of this yet but I have a wonderful doctor and we get along great.
Plus a RD who is very kind and caring.

Thank you

I live in Pa.



Re: Medical insurance question

Posted by lovebird on June 04, 2002 at 18:38:56:

In Reply to: Re: Medical insurance question posted by Raisa on June 04, 2002 at 17:13:38:


Very good
Thanks
I did read he needs a physical and just had one.
Thank you very much.

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Re: Medical insurance question

Posted by lovebird on June 04, 2002 at 18:46:01:

In Reply to: Re: Medical insurance question posted by lovebird on June 04, 2002 at 18:37:36:


thanks for the web site too

I love to read and learn

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Re: Medical insurance question

Posted by
B.B. on June 04, 2002 at 21:21:36:

In Reply to: Medical insurance question posted by lovebird on June 04, 2002 at 16:13:12:


Lovebird,

I know that anyone can get group insurance. While I was unemployed was on COBRA insurance until finally getting a job and private insurance. There wasn't any day which I was without insurance and filled out the papers appropriately indicating my prior insurance. I've got a lot of pre-existing illnesses and was confident that I'd have no problem in obtaining group insurance.

To my surprise the Insurance company sent me correspondence indicating that since I did not maintain insurance, that I'd have a 365 day waiting period for any pre-existing illnesses. Of course, I just about went through the roof and immediately contacted the insurance company for clarification. It seems they'd misplaced my Certificate of Insurance from COBRA Insurance. As soon as that was cleared up the 365 day waiting period was lifted immediately.

During the early part of my former married life my then husband obtained a job and was put immediately onto group insurance. I was added without any medical questions or physical, so you might not have any problems being put onto your husbands group insurance. My present and former insurance groups were PPO's, and I've heard some of the horror stories while waiting for doctors appointments about HMO's. If they're offering you a PPO, it might be a bit more expensive, however, you have far less problems than with HMO's



Re: Medical insurance question-thank you all

Posted by lovebird on June 04, 2002 at 23:12:48:

In Reply to: Re: Medical insurance question posted by B.B. on June 04, 2002 at 21:21:36:


Thanks for your help with this very much
There is just so much to learn in life isn't there?
Ha
That keeps me busy

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Re: Medical insurance question (Archive in RA.)

Posted by Walt Stoll on June 05, 2002 at 08:31:31:

In Reply to: Medical insurance question posted by lovebird on June 04, 2002 at 16:13:12:

Hi, Lovebird.

According to the AMA conventional wisdom, which drives the insurance actuarial tables, RA is not curable (in spite of the common experience of those on this BB). SO it is very unlikely that you could get insurance without a rider excluding RA.

Of course, that should not be a hardship if you continue to follow what has already helped you and continue learning as we continue to learn.

Hope this helps.

Walt

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