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My girlfriend is 20. She lives in Illinois. Her parents for whatever reasons haven't been on the ball with getting her health insurance. Her dad did sign her up for some (Blue Cross Blue Shield IIRC) in December of 2009, but she was then rejected due to pre-existing conditions: History of depression and medication and she is currently prescribed drugs for ADHD. (Which I guess her mom is paying for out-of-pocket now) She's still living at home with her mom, doesn't have a job (which would still not be a guarantee of insurance anyway) and can't pay for insurance even if she could get it.
She's had knee pain for the last few months to the point where it hurts to walk after even short distances. We haven't gotten it checked out because of the insurance and money situation, and because we didn't want even more pre-existing conditions diagnosed.
Do you guys have any suggestions for what we can do? Are we down to paying out-of-pocket for everything now?
I've looked at the Illinois CHIP site. Theoretically she might qualify for that, but it looks to be at least twice as expensive as comparable private insurance.