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-LORI-B's Photo -LORI-B SparkPoints: (58,072)
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4/1/11 6:14 P

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sadly its over 500/month for my son & i.. I will have to figure that out.. ugg

~Lori from Virginia~

My journey on facebook
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"If you don't go after what you want, you'll never have it.
If you don't ask, the answer is always no.
If you don't step forward, you're always in the same place."


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THISYEARSMODEL's Photo THISYEARSMODEL Posts: 3,292
3/28/11 4:08 P

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Good luck, LORI-B!!!

(formerly LAROCKRGRL)

Pounds banished since 1/1/11: 41
GRAND TOTAL GONE: 76 pounds!

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-LORI-B's Photo -LORI-B SparkPoints: (58,072)
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3/27/11 4:57 A

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I saw an ad on tv for Cinergyhealth.com that said (i think) will insure reguardless of health. Your post made mr think of it again. I put in for a free quote so I will wait and see what happens when they call. Im 5.2 and weigh 316 now. I havnt been to a doctor in years due to lack of insurance. It sucks Will let you know.

~Lori from Virginia~

My journey on facebook
www.facebook.com/BlubberBlastInProgress

"If you don't go after what you want, you'll never have it.
If you don't ask, the answer is always no.
If you don't step forward, you're always in the same place."


 current weight: 228.5 
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THISYEARSMODEL's Photo THISYEARSMODEL Posts: 3,292
3/25/11 1:53 P

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If you're self-employed (or can start a small business pronto so that you will be), you may be able to get insurance through an organization like The National Association for the Self- Employed, because it's done as a pool. I did that once, but that was 13 years ago so I don't know what the process is now.

Or if there's a trade association for your husband's occupation, or for your previous occupation, they often offer insurance.

If you go these routes there are dues for the organization, plus the insurance but at the time it was better for me than having no insurance, which is the boat I'm in now. (I was priced out of Blue Cross & either don't qualify for other insurance or can't afford it, and I don't qualify for state programs.)

You probably don't want to hear this, but speaking as an uninsured person with a preexisting condition...you will probably have to lower or drop your expectation of "good" insurance. If you can find insurance, it will in no way be the kind of coverage you really want. And unless you can hook into a group or pool, it will be expensive.

Good luck!

Edited by: THISYEARSMODEL at: 3/25/2011 (14:06)
(formerly LAROCKRGRL)

Pounds banished since 1/1/11: 41
GRAND TOTAL GONE: 76 pounds!

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PNKLDY74's Photo PNKLDY74 Posts: 339
3/25/11 12:00 A

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@ MOM2AEROKI: I did look into ICHIP. From the way it looks it would be a lot cheaper than what we were paying for me previously (well currently...the boss hasn't dropped the group insurance yet). Not sure how good it is though.

@ ADVENTURE-GIRL: That's the problem...as I mentioned before, we had group insurance through BC/BS. A year and a half ago it jumped up (for everyone) nearly $260 dollars MORE a month. We went from $712 a month to $968 a month. A few months back my husband's boss learned that they were hiking it up again so he started looking into other options. He decided to have everyone apply for Private insurance through BC/BS. We'd sign the papers okaying for him to just take it from the checks and pay it just like he's been doing. I had/have coverage under the Group (which is suppose to get cancelled right after the first of next month) We were/are going to Private.


Becky

God is my strength!

NOTE: My weight loss ticker is done up for shorter goals and once reached will change goal weight again.


 current weight: 338.5 
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ADVENTURE-GIRL's Photo ADVENTURE-GIRL Posts: 3,347
3/24/11 7:27 P

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Honestly, I think that is really lame. Everyone should have access to healthcare. I didn't know that they could deny someone when it was a health insurance for a company. Maybe you could try private insurance. Good luck!

~Bonnie~

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“People often say that motivation doesn't last. Well, neither does bathing - that's why we recommend it daily.” Zig Ziglar


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3/24/11 1:28 P

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i'm so sorry. how frustrating ... and scary. i don't have a definitive answer for you, but half the battle may just be figuring out who to talk to who DOES have the answers. you might try dialing 2-1-1 for your local united way. they have an extensive database of referral resources. where i am, we also have a health insurance hotline as well as a health insurance pool for those with preexisting conditions or medical restrictions that make it difficult to become insured. it looks like illinois has one as well: www.chip.state.il.us/premadmin.htm i don't know if it's an option for you, or even if it's "good insurance," but it may be worth a look-see.

staci (40)
dh, chad (married 8/5/95)
ds, aedan (10/07/01)
ds, rowan (10/23/03)
ds, kieran (06/06/07)

no power in the 'verse can stop me.
~ kaylee

read more about my journey on my sparkpeople community journal: tinyurl.com/yk2sm3m


 current weight: 165.8 
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PNKLDY74's Photo PNKLDY74 Posts: 339
3/24/11 12:17 A

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@ TBID227: I have looked into it and once my daughter is feeling better and I can get out I will be making copies of stuff I need to send in with my application (our printer/scanner is down at the moment).

@ ELSKANMIN: Yeah...it started off with telling me I was denied then said the reason is:

Medical history of being 5'5" at a weight of 323 pounds

@ GETTING_TO_GOAL: See, we have had insurance through my husband's employer with BC/BS...a Group Plan. We had not always been with them but they took over some small business accounts from Unicare a few years ago so they were not able to deny me because I already had it. We have been paying $968 a month already and and recently his boss was informed that the premium was going up once again so he decided to look into other options. It was decided for everyone to apply for Individual/Family insurance with BC/BS because it was going to be cheaper (cut coverage in half on my husband) and his boss could still take it out of the checks just like he has been. Because it is a different type of plan I guess it gave that open door to deny. I also found out this evening after hubby got home that his one boss was denied too because of his history of cancer....20 YEARS ago!

@ G_E_MOMMA: My daughter is on Medicaid because of her disability (cerebral palsy). We thought about that until we could find something for me or I lose this weight and maybe get on with BC/BS but my hubby makes too much. The only reason my daughter even qualfies is because of the disability.

Becky

God is my strength!

NOTE: My weight loss ticker is done up for shorter goals and once reached will change goal weight again.


 current weight: 338.5 
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CINECMA10's Photo CINECMA10 SparkPoints: (0)
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3/23/11 10:36 P

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Wow, that is horrible. I am currently uninsured and am looking into insurance. This is something that I will have to keep in mind when looking into companies. Before I quit my job a few years ago(it was not a good place at the time) I had GHP and they weren't concerned with what my weight was. I am pretty sure they are a local company around me. Since then I went to college and have been working part time, but that doesn't offer insurance :(

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G_E_MOMMA's Photo G_E_MOMMA SparkPoints: (0)
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3/23/11 9:57 P

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Same thing happened to me when looking for insurance, now we are on medicaid and they don't care what you weigh.




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BLACKDYMOND01's Photo BLACKDYMOND01 Posts: 865
3/23/11 9:28 P

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That sounds crazy. I work in a doctors office but not in billing. That is so wrong. BCBS is looking for a way not 2 insure u cause u have a health problem and over weight and if u have high b/p u are not otherwise healthy. A high b/p can lead 2 other problems if u don't grab hold of it and get it under control. Overweight and b/p are health concerns 4 them and u. Good luck on ur search I will talk with somebody in billing 2morrow and see if they can do that.

LIVE LIFE TO THE FULLEST!!!
PRAYING IS GOOD!!!
GOD IS GOOD!!! :-)


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GETTING_TO_GOAL's Photo GETTING_TO_GOAL Posts: 4,563
3/23/11 9:15 P

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I have BCBS through my husband's employer and I've never been denied because of my weight, so I'm just as confused as you are. I hope you're able to find another insurer. Keep us posted.
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ELSKANMIN's Photo ELSKANMIN Posts: 25
3/23/11 8:43 P

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I know this is a dumb question but did they say specifically that your enrollment is denied because of your weight? I'm not sure how HMO's are working now, but I used to work for BCBS and this sounds crazy!

 current weight: 262.0 
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TBID227's Photo TBID227 SparkPoints: (0)
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3/21/11 7:52 P

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Check out your local state pool of health insurance. I am not sure if in this instance they have to provide you with COBRA coverage for a time (so don't know, but it may be worth looking into).

The power to change, the courage to do, the will and drive to be exceptional lies within me, and by leaving my fears, my doubts, and my excuses behind, I embrace all that lies within me.
KT-NICHOLS-13's Photo KT-NICHOLS-13 Posts: 1,220
3/21/11 7:16 P

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It's tough out there in the world of medical insurance. I fought hard to get individual insurance. They, the insurance companies, have a chart of standards that they don't really share so it's hard to know. I'm currently have Assurant Health and pay a higher premium because I weighed 221 at the time of applying. You could try that company. I had BC/BS previous to this coverage but they priced themselves out of my pocket.

Bottom line, as sad as it is, Health insurance companies in the U.S. do not like to insure overweight individuals.



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PNKLDY74's Photo PNKLDY74 Posts: 339
3/21/11 6:56 P

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My husband's boss changed insurance companies (went to BC/BS of IL). My husband was accepted, however they denied me. Other than my BP which is due to my weight issue, I don't have any other medical issues. Their reason for denying me was because at 5'5" 323 lbs. was too heavy.

So, that brings me to my question....does anyone know an insurance company that won't deny me based off weight.



Becky

God is my strength!

NOTE: My weight loss ticker is done up for shorter goals and once reached will change goal weight again.


 current weight: 338.5 
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