Jan
I have epilepsy, I just got married so I can't be on my parents health insurance. I was on there since I was born because no one else will take me. Its like they would rather see me die then try to help. I had my last seizer 2to 3 years ago. I have called everyone they all told me that they could not help me because it was a pre existing problem, I also tryed just getting my own plan with my parents health insurance and they said it didn't matter if I was on it with a different policy, I even tried cobra and they said they could not help me. WHY CAN"T ANYONE HELP ME!!! It cost me $240 a month if I did not have insurace. Has anyone had this problem?? I live in texas, if that helps
Answer:
Group policy. Read up on group coverage and COBRA so you know how to negotiate the health insurance market as you all move jobs.
The handful of anti-epileptics that my wife takes a day would run about $900/ month. If you look at it right, it's like getting a pay raise on top of her teacher's salary.
Answer:
Honey, they don't want to see you dead, but they don't want to be out of business next year, either (from high claims from people with serious health issues). Anti seizure medications are EXPENSIVE, as you probably know.
$240 a month isn't bad.
Texas doesn't have a high risk health pool.
Your husband needs to add you on to his group plan, if you're within 30 days of your wedding date. Otherwise, you have to wait until open enrollment, whenever that is. Or, you need to get a job where you have health benefits. If you've been more than 63 days without coverage, you'll have to wait 18 months before the epilepsy issues can be covered.
Cobra, well, you aren't eligible for cobra, coming off your parents' plan.
And hindsight is 20/20, I know, but insurance should have been one of the issues you had discussed before getting married.
Answer:
Either you or your husband is going to have to get a job that comes with health insurance. (Any private policy you obtained would almost certainly be too expensive due to the epilepsy, and might even exclude your condition…insurance through an employer would be the best option for someone in your situation.)
I know its too late now, but wow…you really should have taken this into consideration before you got married. You might have had more options if you'd done some advance investigation while you still had coverage.
Sorry about your situation. As I said, the best advice I can give you is for either you or your husband to get a job that comes with insurance.
Answer:
You should contact a local agent who knows the underwriting guidelines for the companies in your state. A local agent would be happy to help you through this. If there is a company who will accept you with epilepsy, they should know about it.
To connect with a local agent, fill out the quote form located at http://www.myinsurancequotes.net. A local agent will contact you and help you get started. You can also click on your state at the bottom of the page and view contact information and general information for state funded programs that might work for you.
Jared Balis
http://www.utahinsurance.org