Health insurance options?
Starword
thor...@my-deja.com wrote in message <7ot42i$330$1...@nnrp1.deja.com>...
>Looking for health insurance for my LO.
>Too young for Medicare, not Medicaid qualified.
>I don't know how to look for other insurers who
>underwrite high-risk in my state (NC). Any
>suggestions? Any websites that offer quotes on high-
>risk policies? Any info appreciated!
A friend of mine had an uninsured brother who was diagnosed with cancer. He
wasn't eligible for Medicaid and couldn't afford all the treatments he faced
on his own. They were able to get him on a plan subsidized by the state
government that is available to hard-to-insure state residents. The premiums
were surprisingly affordable and the co-pays and deductibles were
manageable. Coverage began right away and most of his treatments and
expenses were covered. The social worker at the hospital where he had
surgery told them about it and said all 50 states have a program like this
now.
Try looking into this. If your lo is receiving any treatment or care at a
hospital, check with the social worker for that dept. or call your state
capitol general info #...it should have an 800#. Tell the operator the
program you want info on and they should be able to switch you over to
someone.
Good luck,
Karen L.
thor...@my-deja.com
Too young for Medicare, not Medicaid qualified.
With a pre-existing condition of dementia I've only
been able to find one policy (Blue Cross) at about
$1000/month (their one high-risk policy).
I don't know how to look for other insurers who
underwrite high-risk in my state (NC). Any
suggestions? Any websites that offer quotes on high-
risk policies? Any info appreciated!
Sent via Deja.com http://www.deja.com/
Share what you know. Learn what you don't.
Judy Kurzweil
eligible for Medicare regardless of your age. My husband is 28 and he is on
Medicare.
Hope this helps.
<thor...@my-deja.com> wrote in message news:7ot42i$330$1...@nnrp1.deja.com...
Maria
months later you qualify for Medicare - and Judy is right - my son is 21
and is on Medicare.
Judy Kurzweil wrote in message
<7p0o44$1gji$1...@newssvr04-int.news.prodigy.com>...
Judy Kurzweil
Social Security Info:
There are two types of disability payments. SSI (Supplemental Security
Income): benefits for those who either don't qualify for SSD - because they
have no real work history, or it is added to SSD to bring the persons income
up to what the government thinks is adequate. and SSD: These payments are
based on your work history. Some people do quite well with these payments
because they formerly had high paying jobs.
Also, the Social Security Administration often denies people the first time
as a rule, probably to weed out those people who don't believe they should
get it (Personally I find this totally unethical. I think they are
counting on peoples work ethic to make them too ashamed to ask for help....
but I digress). Don't be afraid to go to court! I know in Connecticut if
you are low income you qualify for free legal representation. Also, there
is a new wave of lawyers who will represent people in these trials on a
contingency basis. It is key to note that if a judge finds you eligible,
Social Security must pay you from the date they denied you. For some people
this means their first checks are thousands of dollars. The judge that
decides your case is not a judge who works for Social Security, so the
chances are greater that you will get a favorable decision.
I can't stress enough that you shouldn't let a denial stop you. The father
of a friend of mine had a massive heart attack. He required a quadruple
bypass. His doctor told him not to work anymore, he could barely walk
across the room. He was denied, went to court, has it now. Another person
I know was agoraphobic, had severe panic attacks, was denied, went to court,
has it now. Still another person I know caught a virus, the virus damaged
her heart valve to such a degree, she had to have it replaced. She died on
the operating table 4 times because her heart was so weak. They were able
to bring her back. Her doctor told her that she needed Social Security, she
only had a tenth grade education, so any work she could get was physically
strenuous to her heart. She was denied, she didn't go to court, so she
didn't get it.
There is also helpful information on how to fill out the paperwork. Email
me with any questions, or ask them here.
Maria <m...@ncweb.com> wrote in message
news:rranhq...@corp.supernews.com...
thor...@my-deja.com
social security disability (no work credits).
BTW, after 24 months (not 12) on SSDI you are
Medicare-eligible.
My LO will be able to claim SS income on her ex-
husband's credits at age 62 (but still will not qualify
for Medicare until age 65).
It is unlikely she will live to age 62, given the
progress of her disease. I'm just looking to purchase
health insurance to cover her anticipated future medical
needs (last ER visit for stitches/laceration cost close to
$1000), so I am able to keep her in the private-pay
facility and not completely use up her assets paying
for medical care.
Should I just get a list of all insurers underwriting
health insurance in my state (NC) and call them to ask
about high-risk policies? Anyone know where I would
get such a list?
In article <7p0o44$1gji$1@newssvr04-
int.news.prodigy.com>,
"Judy Kurzweil" <LA...@prodigy.net> wrote:
> If you apply for social security disability and are approved, you are
> eligible for Medicare regardless of your age. My husband is 28 and he is on
> Medicare.
>
> Hope this helps.
Karen S
The Hill-Burton Free Medical Care Program
Division of Facilities Compliance and Recovery (DFCR)
http://158.72.83.3/osp/dfcr/obtain/hbstates.htm
lists by state facilities across the US providing health services
compliant to The Hill-Burton Free Medical Care Program.
I don't know a thing about this program but it may be just what you're
looking for. I'll keep my eye out for anything else. Good luck.
Karen S
thor...@my-deja.com wrote:
>
> My LO was a homemaker and so does not qualify for
> social security disability (no work credits).
> BTW, after 24 months (not 12) on SSDI you are
> Medicare-eligible.
> My LO will be able to claim SS income on her ex-
> husband's credits at age 62 (but still will not qualify
> for Medicare until age 65).
>
> It is unlikely she will live to age 62, given the
> progress of her disease. I'm just looking to purchase
> health insurance to cover her anticipated future medical
> needs (last ER visit for stitches/laceration cost close to
> $1000), so I am able to keep her in the private-pay
> facility and not completely use up her assets paying
> for medical care.
>
> Should I just get a list of all insurers underwriting
> health insurance in my state (NC) and call them to ask
> about high-risk policies? Anyone know where I would
> get such a list?
--
cut the pie, get a pie
Janet
>Medicare-eligible.
Is this a recent change? When I went on SSDI in 1995, I got Medicare right
away. The problem was, although I applied as soon as I left my job and was
approved right off, the SSDI didn't start until I had been out of work nine
months. And then it got caught in the conflict between Congress and the
President where the government shut down for three months :-)
Janet