Harlen, can't you get coverage thru the VA? My husband has it. I don't qualify cuz he only was in for the one tour. And, he didn't start with the VA until around 2000.

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You know that diabetis is not your folt you didnt do this to your self.
I ate well was allways on the go and I got it to.My mom and grand mother on her side had it too.Grandmother was 98 lbs
so its not that you did this to you
YOU DIDNT DO IT TO YOU!!!!!
O and by the way it wasnt a joke lol
I did ask her lol

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John,
As long as he is dependent on you, your son can remain on your health insurance plan. My daughter did while she was in college. When she was between jobs for several months a couple years after college, I was able to cover her then also because she lived with me.
Maybe your carrier is different, but worth checking into.
Sal

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howdy jim
i believe she mentioned something about $1000/mo. that sounds about right for COBRA. They really sock it to you if you have to use them.

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Last edited 18 days ago

hang in there pop2
How long has it been since you have been off COBRA? Do you still have that letter from your former ins co stating you have been insured for the previous 6 mos? Do you have a denial letter from the ins co to which you applied?
SAVE EVERYTHING! start a folder of documents to and from the ins co. SAVE ALL PAPERWORK YOU CAN TO DOCUMENT WHAT YOU HAVE DONE AND WHEN. DOCUMENT IN A NOTEBOOK EVERY CONTACT YOU HAVE WITH THE INS CO AND ASK THEM TO SEND YOU A LETTER CONFIRMING WHAT WAS SAID IN THE CONTACT. If you send mail to an ins co. you might want to send it registered mail, return receipt requested. That way the ins cos know you are keeping track. Of course you want to keep a copy of any correspondence you send. You might also want to keep a copy of all medical bills from the time you were denied until now in case there might be a court case and it is decided you could be paid for the bills you had to pay out of pocket because of your denial.

Did you get that denial of insurance in writing? You might need to go to your local legal aid society, or whatever it is called in your county, and find out what you might do legally. Is there a comission of insurance for your state [or whatever the office is called in MO] that handles health insurance? You might want to talk with them to find out what they can do for you.

Don't let that ins co. run over you. They should not be able to deny you coverage if you have that letter from COBRA insurer.

after I posted the above I emailed a friend who was a social worker in MO and worked for a religious chairitable organization, [he's been in CA for several years now] and put your plight to him. Here is what he wrote in reply: [he had gotten your gender confused, so please bear with the mistaken pronouns]

"I would support your idea that this person should contact the Missouri department of Insurance and see what their options are. Here are a few of the questions I would ask:

1. Can the COBRA. policy be converted to an onging policy? Many policies have conversion rights even if they are expensive.

2. Missouri had a high risk pool of insurance and it can be expensive but they are required to take you. Does this still exist?

3. Was the insurance policy he had at work a insured policy covered by state insurance law or a self insured policy (generally used by larger employers) and covered by federal regulation thru ERISA. The rules for each are different.

4. If he can get reemployment he should sign up for a federally qualified HMO. They cannot exclude preexisting conditions. Another option is for the spouse to get reemployed and to become a dependant on their policy.

5. If their income is low enough, they may qualify for State Medicaid and of course preexisting conditions do not apply their.

6. Overall he is in a tough spot. He may want to consider going to a federally qualified health center and they would see him based on a sliding scale. There are no preexisting condition issues there. There are a number of these in the KC area.

7. He could also seek outpatient care at the Truman medical center which is the public hospital in the KC area.

These are a few ideas. I hope they help this person get started."

I pray this is helpful to you.

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The letter you got when COBRA ran out might have been misleading. If you switched to a qualifying insurance plan (most personal one are not, most group ones via a job are) within 63 days then you would have all pre-existing conditions covered and no exclusion period. After that 63 days you are out of luck and even if you got coverage through a job you would likely need to wait 12 months before diabetes would be covered.

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Sorry I am just responding I have been researching, but so far no good. Several calls I recieved were scams you have to watch out for And the discount plans most are 20/60 does't seem to be any good .My husband is also diabetic
he is on medicare already. Thanks for all the help and I
did know about Truman Med center . right now proberly my
best option right now. I will try to keep up my Dr visits from
the Cobra I want have to pay. And I no how to manage diabetes. So I will try to keep healthy. And continue to pray for health care reform.

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