Posted by ClearSkies on December 1, 2007, at 12:21:18
In reply to Does the policy state non-coverage, or delay? » ClearSkies, posted by Racer on December 1, 2007, at 11:26:48
> Sometimes the pre-existing coverage exclusion is temporary -- "this stuff won't be covered for [x] months" -- rather than permanent. On the other hand, the $3000 lifetime cap is just ugly.
It would seem that they've excluded the psychiatric and headache coverage entirely. The prescription drug coverage they have worded so that I'm not able to use the card with the co-pays, but instead would have to fulfill a $1500 annual deductible and then they'd pay 80%. Better than nothing, yes.
> I'm very sorry you're running into this. Like this sort of thing helps psychiatric problems! ARGH!
I find that it's triggering my memories of being deported from England and then having to deal with the IRS and state tax authorities - all that bureaucratic nonsense. Today is all about breathing in and breathing out, and nothing beyond that. Neither of us slept well last night.
> Some states have parity laws, I'm guessing yours doesn't? It's worth looking into that piece -- if there are parity laws, certain diagnoses will be covered, even if the insurance company thinks they're not.
I'll have to look into that, thanks!
> And I do recommend talking to a really good insurance agent.
Sorry, I thought this was an oxymoron!!
> I didn't end up getting individual insurance through the one I saw, because of a number of problems including cost, but at least it was someone who knew the system, knew what steps to take, and could walk me through the process without stresses on me. It's possible that there are options out there that could fix this for you, which you might not find on your own -- and it's possible that you could avoid trouble by working with someone who already knows where the pitfalls are dug.
> Good luck, it's horrible that a good thing -- your husband's new and improved job -- comes with such a very bad thing attached to it.
Yes, the worst of this has been listening to his reassurances of "it's all going to be OK," when all along I've been saying, "no, it's already NOT OK!" and feeling that my warnings were not only unheeded, but that my opinions were being discounted because of my depression - that I was prone to doom and gloom. Well, no - it was actually fact I was predicting. It's not at all what you want from a shiny new job.
OTOH, if I get a job at Barnes and Noble, then that means lots of books in my future.