insurance
Flossy77
coverage past age 19? Our company says they will if you have a handicapping
condition. Could anyone help with this or don't they consider Tourettes a
handicap.I am not having much luck.
KATHRYN A TAUBERT
Flossy77 <flos...@aol.com> wrote in message
news:20000823200847...@ng-cr1.aol.com...
I'm not sure I understand what you mean Flossy. Can you explain a bit
further?
I'm 54 and I have TS and I have private insurance (Golden Rule). I do not
take meds for TS,nor do I seek other treatment for it, however, and I had to
work with the underwriters of this company to even GET this insurance, but I
do have it now. And it's a very good policy.
KAT in CT
Vger
"KATHRYN A TAUBERT" <KATA...@prodigy.net> wrote:
>
> Flossy77 <flos...@aol.com> wrote in message
> news:20000823200847...@ng-cr1.aol.com...
> further?
> I'm 54 and I have TS and I have private insurance (Golden Rule). I do not
> take meds for TS,nor do I seek other treatment for it, however, and I had to
> work with the underwriters of this company to even GET this insurance, but I
> do have it now. And it's a very good policy.
>
> KAT in CT
>
insurance past that age. Not that I know the answer .....
Vger
Sent via Deja.com http://www.deja.com/
Before you buy.
Vicki Hill
It is really going to depend on the precise wording of your policy.
Make sure you have the wording (not merely a summary in a brochure).
Talk to your doctor and see if this fits your situation. Generally,
the child has to meet this criteria BEFORE the given age in order to
qualify.
Other options to look at are: (1) schooling. Is the young person
attending any sort of trade school or college? That will usually get a
deferment on the insurance. (2) Does the school have a group policy
available? That might replace the parents' coverage? (3) What about an
individual policy? Most insurance has a way of converting...although
it may be expensive. (4) Is the young person working? Insurance may be
available through an employer, even if you have to pay a big chunk of
the premiums.
Vicki H.
jai
I also think you have to check with the insurance company to find out if
they consider Tourettes a handicapping condition. In Washington stare is
is considered a developmental disorder and is covered by state
disability programs. This can vary state to state and company to company
though. It is also possible that they may look at the "severity" of the
symptoms. With most companies it is a very individual thing. Some will
cover, some won't. If your child is not covered, there is also the
possibility that he may be able receive coverage under Medicaid if he is
considered disabled by their standards. I warn you ahead of time though,
that if it is necessary to go this route, it is not easy to "prove".
Many states also have some type of ombudsman to help with problems with
private insurance. Vicki also made some very good points as far as
schooling goes. Many companies will cover your child up to age 22 if
they are full times students and most colleges offer some type of
student medical insurance. Also, when you contact your insurance
company, call a few times and get an answer more than
once...unfortunately different employees may give different answers.
Asking to speak to a supervisor or claims specialist may also help. And
then, as Vicki said, get their detailed policy in writing...
>
> It is really going to depend on the precise wording of your policy.
> Make sure you have the wording (not merely a summary in a brochure).
> Talk to your doctor and see if this fits your situation. Generally,
> the child has to meet this criteria BEFORE the given age in order to
> qualify.
>
> Other options to look at are: (1) schooling. Is the young person
> attending any sort of trade school or college? That will usually get a
> deferment on the insurance. (2) Does the school have a group policy
> available? That might replace the parents' coverage? (3) What about an
> individual policy? Most insurance has a way of converting...although
> it may be expensive. (4) Is the young person working? Insurance may be
> available through an employer, even if you have to pay a big chunk of
> the premiums.
>
> Vicki H.
--
Men stumble over the truth from time to time, but most pick themselves
up and hurry off as if nothing happened.
--Winston Churchill
KATHRYN A TAUBERT
> >
> KAT - I think she means keeping your children on your work-sponsored
> insurance past that age. Not that I know the answer .....
> Vger
If this is the case, then it may be easier than she thinks, depending upon
the size of the company for which she works, and the particular group
insurance and underwriter she has.
Where it gets difficult in the USA is when the employer is relatively small
(50 people or so), and the group policy doesn't cover specific conditions,
depending upon the level of treatment sought and required.
KAT in CT