After surgery Insurance Help Needed
Hi everyone,
I had my surgery in Oct. of 2001. At that time I was on my COBRA plan
through my former position at the University of Iowa. After my COBRA
was expired I applied for a family policy with Blue Cross Blue Shield
and was denied because of my surgery. I am now on Secure Blue Select
and am paying $414/mo. just for me! Needless to say, we’re paying about
$800 a month for the whole family. I’m told I will probably never be
able to get a “good” covering and less expensive policy because of this
surgery, plus of my history with colon polyps. PLUS, I couldn’t apply
for dental insurance through them because of the health insurance plan
I’m on. I could get an individual plan which would run PER MONTH
approx. $35 for cleanings only, $55 for cleanings and fillings or $78
for cleanings, fillings, and the rest - root canals, caps, etc.
Have any of you experienced not being able to get good coverage after
surgery? If so, have you found any companies that will take care of you
better than BXBS? Oh, I also found out that our health insurance
policies will probably increase at about the same rate they did last
year - so hold on to your hats, kids.
Some of my insurance info is as follows:
I’m a non-smoking 46-year-old female
$1,000 Deductible per year
$20 Copay for each office visit
80/20 Coinsurance
$3,000 Out-of-pocket max
Lifetime Max is $1,000,000
So, this also means they will never cover me for any plastic surgery
related to my surgery unless it is medically required.
I am absolutely sick over this and I never recall reading anything on
any posts before I had surgery. If I had, I may never have left the UI.
Maybe it is bad all over.
If any of you have any good advice for me, please feel free to email me
privately at borgstahls@…
Thanks.