Topic: Unisurable

Forum: Employment, Insurance, and Other Financial Issues — Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: Nov 29, 2010 10:32PM - edited Dec 24, 2010 07:35PM by Luckylis

Posted on: Nov 29, 2010 10:32PM - edited Dec 24, 2010 07:35PM by Luckylis

Luckylis wrote:

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Nov 30, 2010 07:29AM amoccia53160 wrote:

Hang in there Lucky....with the new insurance reform pre-existing conditions will no longer be excluded.  I know that doesn' help you now but it will soon.  xxoo Annette

Stage 2a / er+/her 2 neg/ 1of 11nodes positive. 4DD A/C /12 taxol/35 rads/ armidex/BRCA neg
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Nov 30, 2010 07:33AM Alpal wrote:

Lucky - check with your state to see if they already have a pool for the uninsurable. My state has had such a program for years and we're really backward!

Allison Dx 7/2008, IDC, Stage IV, mets, ER+/PR+, HER2-
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Nov 30, 2010 05:47PM 3monstmama wrote:

I am so sorry.  I agree with the suggestion to check with your state.  Also doesn't Komen have some info on finding insurance?  Unfortunately for adults the pre-existing condition stuff won't kick in very soon.. 

I have to say, this is my worst nightmare.  I told my DH that I was NEVER leaving my job because it has good insurance.....of course, that doesn't mean the job won't leave me!

 good luck!

Pain is inevitable. Suffering is optional.
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Nov 30, 2010 05:59PM germangal wrote:

I'm in the same position. And you are right, the pre-existing condition for adults does not go away until 2014. And there is no guarantee that the insurance you will be able to receive will be affordable ... not unless we are able to keep that 100% participation clause.

Fortunately (?), I was awarded SSDI because of the IBC diagnosis and in March I will land on Medicare. Before I got SSDI, I checked into insurance options (my COBRA was over $1000/month!!)  I found the folks at the American Cancer Society's 1-800 number (1-800-ACS-2345) useful. They told me about some state programs that might assist, as well as told me of some foundations that would provide one-time grants to help with medical expenses.

 Unfortunately, the state's high-risk insurance program was even more expensive than my COBRA! That really got me going - how can someone with no or part-time income be able to afford a premium of $1200/month??  If the person was working full-time, chances are they wouldn't need the high risk pool, since they would be enrolled in a group policy ... and group-to-group usually don't have pre-existing rulings.

The social worker at the local cancer center also was able to provide some assistance. I hated like heck to ask for charity (before diagnosis, I had a 6-figure income and was a donor to these organizations!), but, I really needed to swallow my pride and do it. There is help out there.

Dx 12/7/2006, IBC, Stage IIIB, Grade 2, 4/11 nodes, ER+/PR+, HER2-

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