Posted by ClearSkies on November 30, 2007, at 12:58:00
You know, this is the second time this year I've used "debacle" in a thread title.
The good news: my husband, after being really unhappy at his job for the longest time, found a new one and recently started it.
The bad news: it's with an internationally based company that doesn't offer group health insurance to their employees, but a monetary amount to be used for this expense. What this has meant is that we've had to shop around for our own health insurance, and like so many other people have experienced, I was denied coverage for prescription medication AND psychiatric care AND headaches based on my prior history.
Never mind that I rue the day that we ever truthfully disclosed any of my history to the insurance agents, who, at the time, swore up and down that our coverage "wouldn't be a problem". Well, sure - it's no problem, except I can't get coverage for the conditions that I need daily treatment for.
I did an extensive search on Babble and read many posts about other people's experiences. I have one question, though: what if I had lied? What if I had said, "nope, no psychiatric problems, no headaches, no medications, nothing going on here." and then procured coverage. Do people ever get to actually procure the healthcare coverage they need by doing this, and would it work? Or do they do a history of your healthcare based on your personal data (birthdate, social security number) in that Big Brother way and then turn around and deny you coverage anyway?
If I sound desperate and panic stricken, it's because I am. I feel that I've paid a horrible penalty for being honest and fully disclosing my medical history.
I DO understand that if the situation doesn't change, that there are options out there from the drug companies for me to be able to get my medications. The bit about not having my neurological (migraine) and psychiatric care covered is more problematic.
p.s. Husband likes the new job very much.