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What can a type-1 diabetic do for short term health insurance? |
My girlfriend, a type-1 diabetic, was at a miserable job for 3 months waiting to begin health insurance. After putting up with it for that long, she had to quit. Now, most other jobs she has been interviewing at require a 3 month wait until health coverage starts. What can we do to get her health insurance in-between jobs, even though she has a "pre-existing condition"? I am worried about something happening to her in the meantime and we need to get her insured. Short of getting married and adding her to my plan, are there any viable alternatives? Thanks. HIPPA doesnt allow diabetes to be considered pre-existing Most states have a "COBRA" program that lets you continue your ex-employer's insurance program for a period of time (typically 12-18 months) after your job ends. You are responsible for paying 100% of the premiums plus a small administrative fee. The insurance company cannot stop covering you just because you are no longer employed with the company. You must signup for this coverage within 30 days of the end of your employment. Some states (like Texas) have laws that require insurance companies to cover everyone regardless of pre-existing conditions. I don't know the exact details of this, but you could look into the residency requirements in various states with these laws. Most insurance companies have open enrollment periods in January. My best advice would be for her to find a new job quickly. In the meantime, prepare to pay out of pocket for insulin, blood test strips and any pills she needs. Besides insulin, the best treatments for diabetes are diet and exercise, both of wich are free. Look on the Internet for online pharmacies (like the Canadian ones) that offer lower price drugs. It realy depends on what state you live in. Some states do not have restrictions for pre existing conditions...... There's a company out there that helps people who do not have and need affordable health benefits. It includes regular office visits, any specialists and even pre-existing conditions. It basically includes everything you need help paying for. Their medical plan includes dental, vision, prescription and chiropractic benefits as well. There's no high premiums, deductibles, co-pays, waiting periods, claims forms or anything like that at all. They can save you up to 80% on your out of pocket expenses for a very small fee every month. It could end up saving you a lot of $$ over traditional insurance. Try this website and you can check out the specifics and providers in your area. http://www.everyonebenefits.com/40424269... If your provider isn't on there, he can be added. They are a wonderful company and are members of the BBB. I have benefits through them as well. Hope you find what you need. Please email me if you have any questions, and I'd be happy to help you if I can. Best of luck. |
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