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Going to be losing insruance

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Ulcerative Colitis
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Posted 5/24/2011 11:08 AM (GMT 0)
When i was let go from my company 6 months ago i had 6 months of coverage but that is ending this month. I know i have the option for Cobra but are there any others ? I have never not had insurance since i always had a good job. I am with a good company now but i am temp to hire for the next 6 months or so. Does anyone recommend any companies that will accept me with my pre existing condition ? Any advice would be great.
Posted 5/24/2011 6:40 PM (GMT 0)
Take the Cobra. I quit this month last year and midway thru my summer off I snapped out of it and caught up with Cobra before it expired. I ended up with a $64,000 bill in October and it was crummy insurance so I owed 10k. But signing up for Cobra was the smartest thing I did because 10k beats 64 every day. Bankruptcy rules are tougher now you have to make below average to go chapter 7 and if you go chapter 13 well that is kind of like inviting your parents back into your life so they can give you an allowance for discretionary spending. Freedom is everything to me.
Posted 5/24/2011 6:53 PM (GMT 0)
I would get the cobra too. I haven't had any luck getting insurance with the preexisting condition. I've heard you can get insured through your state (in some states) but the private companies will not take us. The best way to get it is through a group but since you're employed and may be able to get into a group in 6 months, I would pay for Cobra until then if I were you. You could also look into state programs.
Posted 5/24/2011 7:37 PM (GMT 0)
move to Massachusetts? I hear they have great health coverage for state residents.
I know someone in Florida that is moving back there because he needs an operation and as Mass. resident he'll qualify for low cost coverage. He doesn't have health insurance now.
Posted 5/24/2011 10:39 PM (GMT 0)
I doubt any individual policy will be available. The high risk pool insurance is only available to those that have been uninsured 6 months unless the state you live in manages the plan then maybe earlier. I would suffer with the COBRA if you have a group plan coming available in 6 months. The US government(healthcare.gov?) has a web site where you can find out what is available in your state in high risk plans.
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