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Jul 25, 2010 12:25PM
Jul 25, 2010 08:00PM
So you earn too much to qualify for HealthyNY, but the price of individaul policies is astronomical. Applications for the state-run program are expected to be collected starting on 15 August 2010. I'm hoping that you will be able to work out something that way.
I qualified for HealthyNY and got my membership card this week. The effective date is 1 August 2010. On the phone, they told me that the waiting period is waived as there will be no lapse in insurance. I would prefer something in writing, but don't know how to request that without putting all my cards on the table and saying I was treated for breast cancer in the last year.
I am due for my three-month onc visit in August, my six-month mammo/ultrasound and return visit to BS. I know the visit to the BS will not be covered as she's in CT, but I'm hoping the others will be. But if they decide to enforce the 12-month waiting period, can they say they won't pay for the other appointments. I'm really worried now.
I contacted my local congresswoman about health insurance. In a letter I received from her this week, it says
"...in New York, state law bans health insurance providers from denying coverage based on a pre-existing condition and requires premiums to be based on community ratings, which cannot take into account age, sex, health status or occupation to calculate its rates. Unfortunately, the law does allow an insurer to delay coverage for a specific medical condition for up to 12 months."
Mary ~~ lumpectomy 8/10/2009, Oncotype DX 18, Chemo 10/28/09--2/1/10 AC*4, CMF*4
5/19/2009, IDC, 1cm, Stage IIA, Grade 2, 2/6 nodes, ER+/PR+, HER2-