Sweet_KJ
New Member
- Joined
- Sep 5, 2003
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Hi ya'll -- long time no see or hear!
I'm back here with a very important question: does anyone know of any reliable medical insurance who will approve coverage for an individual who already has the CI? See, I've been stressed out about finding the proper insurance for just myself (no other dependants, etc) -- I'm leaving my company (including all the benefits) to pursue my own business, but need to find approved insurance before I do this. It's a must because my own mother, whom sells insurance, says "(Insurance Company) indicates it will not offer coverage to someone w/ a CI. Their experience has been that possible upgrades to a CI as recommended by a doctor or adjustments are down the road in most CI users. Insurance companies generally can not "exclude" coverage for certain medical situations so they just decline coverage."
Then I responded: "If that is the case, I could use that as an valid excuse in re-applying for Medi-cal (so-so but free)..." She responds: "BUT isn't that availability based on income?" (Very true... I would still be working my other job -- making 1/3 of what I make now). Continued: "I think it is very wrong for insurance companies to decline based on something someone has/had that isn't health related -- should have something in its policies that a client could sign agreeing to not to rely on insurance coverage in the event of considering such "cosmetic/elective" procedure. (Especially for those who do not reconsider it -- as in my case)..." Mom: "I AGREE but attorneys shoot through such stuff. BOTTOM line medical coverage is so very important. Explore all your options before you give up what you have now. LACK of medical insurance has messed people up in both the health and financial department with life long - or shortening - consequences." Thus this posting...
So I am researching my opinions. I'm at the end of my string. I DO NOT want to stay at my current job (who wants to be stuck doing something one dreads going to in the morning?). Medi-cal/Medi-care is for my VERY LAST RESORT.
I KNOW insurance can be so costly, but it is something I need to pursue before I turn in my resignation (hopefully sooner than later) -- any knowledge/information? Anything would be so appreciated.
Thanks!
I'm back here with a very important question: does anyone know of any reliable medical insurance who will approve coverage for an individual who already has the CI? See, I've been stressed out about finding the proper insurance for just myself (no other dependants, etc) -- I'm leaving my company (including all the benefits) to pursue my own business, but need to find approved insurance before I do this. It's a must because my own mother, whom sells insurance, says "(Insurance Company) indicates it will not offer coverage to someone w/ a CI. Their experience has been that possible upgrades to a CI as recommended by a doctor or adjustments are down the road in most CI users. Insurance companies generally can not "exclude" coverage for certain medical situations so they just decline coverage."
Then I responded: "If that is the case, I could use that as an valid excuse in re-applying for Medi-cal (so-so but free)..." She responds: "BUT isn't that availability based on income?" (Very true... I would still be working my other job -- making 1/3 of what I make now). Continued: "I think it is very wrong for insurance companies to decline based on something someone has/had that isn't health related -- should have something in its policies that a client could sign agreeing to not to rely on insurance coverage in the event of considering such "cosmetic/elective" procedure. (Especially for those who do not reconsider it -- as in my case)..." Mom: "I AGREE but attorneys shoot through such stuff. BOTTOM line medical coverage is so very important. Explore all your options before you give up what you have now. LACK of medical insurance has messed people up in both the health and financial department with life long - or shortening - consequences." Thus this posting...
So I am researching my opinions. I'm at the end of my string. I DO NOT want to stay at my current job (who wants to be stuck doing something one dreads going to in the morning?). Medi-cal/Medi-care is for my VERY LAST RESORT.
I KNOW insurance can be so costly, but it is something I need to pursue before I turn in my resignation (hopefully sooner than later) -- any knowledge/information? Anything would be so appreciated.
Thanks!