Medical/Insurance emergency... HELP????

Question

I couldn't afford insurance thru work (part time at a nursing home), so i didn't get it. i'm not in school anymore so i'm off my parent's insurace (20 yrs old). also i'm getting married in sept so i'm not on my future hubby's insurance either.

i've been having some serious medical problems and I NEED insurance BAD. ASAP.

my problem is... every insurance place i talk to says this is a pre-existing issue so i can't get their insurance. and the county says i'm not qualified for medical assistance.

HELP.

i live in wisconsin. calumet county to be exact and i just don't know what to do. is there anything i can get to help me out????

feel free to im me or email me personally with input.

Answer 1

You shouldn't be copping such an attitude with the previous people who just gave you honest answers.

If you don't qualify for medical assistance at this point, get married now.  You want to know your option?  That's it.  Period.

You should also be prepared for the fact that since you let your coverage lapse, you may have a waiting period on your new husband's policy before the services can be covered.

(With an employer/group insurance policy, as long as you don't have a break in coverage longer than 63 days, they can't consider your condition pre-existing.  But if you've had a lapse in coverage longer than 63 days, you may have to wait to get coverage for this condition.)

Its unfortunate, but you've sort of backed yourself into a corner.  Your best option is your soon-to-be husband's coverage.  Otherwise, you'll have to pay out of pocket and get whatever charity discount you're eligible for from the hospital.

(I'm curious though why you can't work more hours if you're no longer going to school and only working part time.  I hope you didn't cut back just to plan your wedding in September...plenty of people juggle wedding planning with work and school.)

Answer 2

You can go to a county medical clinic or hospital-they usually have fees based on a sliding scale. You could also probably get a discounted cash rate from providers if you ask for help. Most hospitals offer charity care-but you will need to qualify financially.

Consider getting a full-time job with healthcare benefits-of course it will be a few months until the insurance starts and by then you will be married...

Bottom line, if you feel this is serious and cannot wait, get seen and deal with the financial end at a later date. You can get another job and make more money to make monthly payments, if necessary...

Answer 3

True.  It's too late to buy health insurance, until you get this issue resolved.   The time to buy health insurance, is when you're healthy.  

You can't buy the lottery ticket after the drawing.  You can't insure your house, after the fire, to cover the fire.  Same exact thing.

You're going to have to pay for these medical problems out of pocket - see if there's a free clinic somewhere, or pre-negotiate a cash price.  Likely, it will end up costing about what you've "saved" by not buying insurance through work, or even more.  Luckily, you only work part time - so you've got hours free to go get a second - or third - part time job to pay for this.

Answer 4

I don't know of anyone who is going to cover a pre-existing condition on an uninsured person.  If you were transferring policies, that would be a different matter.  At the very least you are going to have to wait a significant amount of time for coverage of these pre-exisitng issues to kick in, but you do need to get insurance.  If you can't afford the policy through your work, which is usually the most economical policy you can get, then you're going to have to pay for treatment out of pocket.

Answer 5

There is charity care you may qualify for.  That is care through your local hospital.  Your premium is based on your salary.  Call your local hospital and ask about it and what the qualifications are.

Answer 6

OK.  I won't preach about what you SHOULD have done.  I will tell you what you CAN do.   And that is NOTHING, other than pay out of your pocket for any medical care you may require.

At this stage, you now have a pre-existing condition (diagnosed prior to your application for insurance). Depending on your future husband's policy and the nature of your condition, there may or may not be a 'waiting period' for coverage once you marry.

My advice ?  Get married NOW in a civil ceremony with no one the wiser, and then go through with your planned ceremony in September.  The quicker you can get on your future husband's insurance, the better off you are.

If your condition is one which requires immediate medical intervention, you are basically on your own.  No one will insure you immediately, knowing that you are going to cost them substantial monies immediately.