Well I never thought I had some large pre-existing condition ( swimmers ear when I was a kid!!!) so I ignored this tidbit from "Money" magazine but now I will check:
"If private insurance is a no-go, you have two government-based options. Anyone can get coverage via his/her state's high-rish insurance pool--you'll pay about 150% of the cost of an individual policy (see healthcare.gov) or a similar backstop.
Thanks to health reform, those who have been uninsured for the prior six months will qualify for their state's Pre-Existing Condition Insurance Plan (pcip.gov). The program, intended to bridge the gap until options are introduced in 2014, will cover you for rates similar to those that healthy people pay in your state (a 50-year-old in Minnesota, for example, would pay $220.00 a month.)
I don't think this applies to me but perhaps does to others posting here. I do need to find out exactly why I was turned down on the reasonably priced plans.
When I was looking at switching to an optometrist closer to home (mine is an hour and a half away--as is the best retinal specialist in the area who I see every three years right now), one I talked with told me this condition does not actually exist and I am probably "imagining" my floaters.
(On the upside...it may not be considered a pre-existing condition at this point since insurance doesn't think it is a condition!)
I went to my state's page on the pcip.gov site. Oh great. $663 a month for what I would need. Like I can afford that!
My vision plan is so lame that it would only be worth it if I got new glasses every year. I just changed my glasses last year, but before then, I'd gotten the previous pair BEFORE college. I had the optometrist do the calculations and I would save more money just going without the vision plan.
I do have a very strong prescription, but at least it hasn't changed much since high school. When I hit 35 I'll probably be paying more attention to these things...
I canceled my vision insurance. It didn't work at the place I like, and I didn't like any of the glasses at the places it did work.
If I called and talked to a place today, and they are currently I guess "reviewing" my application, can I call them back tomorrow and just say I withdraw my application without any issues happening (officially being "denied" by them?). Then I don't have to say I have been "denied" if it never officially went thru the process?
Ooh, don't get me started on vision & dental coverage. After reading this thread I feel very, very fortunate to be Canadian and to have the public health care that I do. However it still only covers "basic medical." That's nothing to sneeze at, but it does not cover outside-of-hospital prescriptions, dental, or eyecare. Not that long ago it did cover eye exams (once every 2 years), but not glasses; now not even the eye exam is covered. Dental has never been part of basic medical (in BC -- different rules in different provinces), but it should -- how are rotting gums and teeth not a health issue? And how is poor eyesight to the degree that it affects your safety not a health issue?
You can of course get optional extended medical packages that cover various degrees of prescription, eyecare, and dental, but it's never been cost-effective for me. I've done the math, and for me it would cost more to pay for insurance than what I pay for eye exams, glasses, and dental work directly. And, thank goodness, I don't take any prescriptions. But all that may change as I age.
My dental insurance maxes out at $1500 a year. And I basically need crowns/caps on about 10 teeth. I'm looking at more than 10K in bills when I have it done, and am determined to do so before it gets even worse.
How does someone raising children or with other serious health problems afford something like that? They don't.
And reading this thread I'm struck again by how bizarre it is that American's health coverage is pegged to their employment. Especially since some people have to stop being employed because of health issues, which might not qualify them for disability. Talk about Catch-22.
(On vision, I have good news for you all. If you're near-sighted in your twenties-forties and need glasses to drive or go to the movies, your distance vision will improve in your fifties. Then you will need reading glasses.)
"Youth and vigor is no match for age and deceit." -- Prancer
I need new glasses, but I have decided that I'll just change the lenses. The thought of trying to find frames makes my head hurt.
The privilege of a lifetime is being who you are--Joseph Campbell
I had wonderful vision though. It was through VSP so it covered almost every place I could go and I was able to get 1 pair of regular glasses and 1 pair of computer glasses covered every year!
Of course, I haven't got it now.
Actual bumper sticker series: Jesus is my co-pilot. Satan is my financial advisor. Budha is my therapist. L. Ron Hubbard owes me $50.
The privilege of a lifetime is being who you are--Joseph Campbell
I still don't need reading glasses, though.
My son and I just got our eyes examined. He got new glasses; I got contacts for the year. The optician ran our bill through insurance and it turned out the bill was more than it would be with a sale the store was having. Eye exams, contacts for a year, and new glasses (with relatively cheap frames) came to more than $800. My daughter got new glasses a few months ago and it was the same deal--the sale took more off the bill than our insurance would.
We've done fairly well on dental insurance, but only because we've switched coverage several times and so had half of the kids' multiple orthodontic procedures and most if not all of my surgeries covered. If we had been with one company all aong, that would not have been the case.
"The secret to creativity is knowing how to hide your sources."-- Albert Einstein.
Can't recall who dh used but I'll ask him. He got himself some fab orange frames, lenses and all, for like $6.
I never understood why one's teeth, eyes, and mind (for mental illnesses, as they were generally capped lower than physical issues) were not considered to be part of one's body, and thus covered under medical insurance.
We also dropped our vision and dental insurances because they covered very little. And the dentist we use gives us a significant discount for paying in cash or with a credit card (no insurance). We use the discount eye places because I wear contacts and don't generally need fashionable frames for backup purposes. There are also lots of eyeglass places on the internet if you can stand to order your frames that way and get adjustments from a friendly optician (in my case, that is my brother).
I read these stories and am extremely grateful for our universal health coverage in Australia.
When you are up to your arse in alligators it is difficult to remember you were only meant to be draining the swamp.
2. If Sickness Occurs: Die.
I know he worded it differently but his meaning was clear. What scares me is the prices are skyrocketing every year. Next year that figure may be $800 a month-who knows? If they will have me I'm going to roll the dice with Starbucks and hope Mom is going to have a good year.