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health insurance issues

Wed, July 13, 2011 1:11 PM

left NC and my job & insurance in April. Now it's July and I cannot get a insurance company to cover me due to crohn's. dxed in 2001, stable, however did have small bowel resection in Feb this year due to bowel obstruction. I don't qualify for disability and make too much money for GA medicaid programs...anyone that can advise me, please do so....

beth4380
Joined Jul 13, 2011

Sat, July 16, 2011 2:01 PM

Reply posted for BETH4380.

I'm familiar with the 6 month waiting period. It frustrated me, too. Here in Utah, there is a HIP and a HIPfed. The 2nd one is a temporary insurance meant to cover you until you DO qualify for the 1st one. Look into it. I hope this helps. Good luck.

jessi messy
Joined Jun 4, 2011

Thu, July 14, 2011 1:17 PM

Reply posted for Jessi Messy.

tried to look into the high risk health pool, it has a 6 mo waiting period with no insurance and i have only been without insurance for 3 months

beth4380
Joined Jul 13, 2011

Wed, July 13, 2011 5:58 PM

Reply posted for BETH4380.

Is there not a High Risk Health Insurance Pool in Georgia?

jessi messy
Joined Jun 4, 2011

Wed, July 13, 2011 4:07 PM

Reply posted for BETH4380.

Unfortunately crohns and colitis are an automatic denial with health companies. Unless you have colitis and have a colectomy. In that case you could get a policy five years after surgery if you have had no complications. I am an agent and in the same situation. If you cannot get on another group plan your only option is the GA Indemnity plan with you can get info on thru the Georgia department of insurance. This plan will cover you but you are totally out of pocket and are responsible for all expenses leading up to the deductible limit of 2,000 or 2,500. At that point the plan pays 70%.

donnan
Joined Oct 25, 2009

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