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Health Insurance Help [Solved Enough Lock Please]
MoSiAc
Registered User regular
Registered User regular
I recently applied for blue cross and blue shield but I was turned down because of and I quote "Height/Weight" I'm 6'1" and about 250lbs. They told me to check at the coverageforall.org website to see if I could find a different company.
After filling out their little online questionnaire they pointed back to blue cross and blue shield.
The only reason I haven't had health insurance in the past is because I lived in another country and didn't need US coverage.
Anyone know of some places I should try and look for health insurance?
EDIT: I currently live in Kentucky.
After filling out their little online questionnaire they pointed back to blue cross and blue shield.
The only reason I haven't had health insurance in the past is because I lived in another country and didn't need US coverage.
Anyone know of some places I should try and look for health insurance?
EDIT: I currently live in Kentucky.
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/got nothin'
if you're poor, it'll be cheap. It will also mean that blue shield can't deny you coverage. It will still cost you money.
OP, are you single? Do you have any kids?
I've got Anthem/Blue cross, and I believe they said on NPR, that they're expected to raise their rates by about 30%.
It's not that bad for me, but a lot of people in this state already can't afford health care, precisely because of all the money they've been gouged by having health insurance. The deductibles here are pretty terrible.
It's a terrible answer, and I'm sorry, but that's the way the system works in the U.S. right now.
Anyway, are you <=26? If so -- I'm pretty sure -- you should be able to get back on your parents' insurance. Companies are supposed to start implementing this within 6 mo of the passage of healthcare.
Failing that, if I were in your position, I would probably just go without, and hope to hell I don't get sick or injured.
And yes, work on losing weight if you want to get full blown coverage. Your BMI puts you in Obese category I, which is a pretty significant risk over the long term. Get down to 225lbs and you'd be classified as simply overweight, or under 190 for 'normal' BMI scale. Health insurance companies don't quite work like life insurance companies when it comes to weight changes, your historical weight doesn't factor in as much with health insurance. If you get down into a lower category call them to get a new quote.
And if you smoke, stop, now.
Also keep in mind that nothing is stopping you from calling your doctor and asking them what their cash price is. You'd be amazed at how affordable some docs are when they get cash in hand and don't have to fuck around with piles of paperwork and asshole insurance companies. If you need to be put on a prescription, make sure the doc knows this and ask them to try and find a generic drug to put you on. The call around to pharmacies to find the best deal. If the price is still too expensive, talk to a pharmacist and ask them what other generics are available that might work for your condition.
edit: Another thing, if you have renters/car insurance, find out what the medical limits are on those and consider raising them. The price difference will be negligible, but it may help cover your ass until you can get something better.
Sorry for going off topic but yeah, shit sucks.
This can be locked.