Monday, February 1, 2010

Is there any general health insurance coverage for people with Multiple sclerosis

Is there any general health insurance coverage for people with Multiple sclerosis?
My wife was diagnosed with R/R Multiple sclerosis a couple of years ago. We were living overseas and had company provided insurance at that time.

Our insurance was dicontinued when our employment ended. We have moved back and are looking for Health insurance here. We tried Cobra but the lapsed time was more than 6 months between coverages so we were declined. Are there any other options?
Insurance - 7 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Log onto www.guaranteedcoverage.com. This is a limited pay health policy, but it's guaranteed issue. Best wishes, and God Bless.
2 :
You can try www.thehealthbenefits.net Benefit. There are no waiting period, no pre-existing condition required. The monthly plan are low. I hope this helps.
3 :
You will probably not be able to find a company that will cover your wife's condition individually. Your best option is to find another employer based coverage.
4 :
Don't bother with that guaranteed issue bit the other guy recommeded. 'Limited coverage ' is defined as $100 a year for doctor visits and $1,000 a year for surgery. She won't get out of it what she pays in. Her best and only hope is Medicare, when she turns 65, or after she gets declared disabled and goes on SSDI.
5 :
if applying for independent coverage, MS is a condition that will qualify for an automatic denial of coverage.. your best bet is a major medical plan in your state (through the state) or disability/medicare
6 :
I would try to find a new job with coverage if that is at all an option. I also have MS and the medications are very expensive that I think finding an insurance company to take you privately would be very difficult (the shots are $16,000 per year, plus I take meds for fatigue, have MRI's etc). Good luck and hope your wife is feeling OK.
7 :
I wish, My husband has MS and we have found that every insurance plan for him is way out of our budget, the only option we have found that is some states the state has a health insurance plan for those who cannot afford one, though have a disease as bad as MS, we were quoted at about 56/month(not really bad) and they covered most routein things(routien for MS that is) MRI's and Neurologist visits, with sometimes a co pay of $20, we have jumped states so many times recently we havent been able to lock inot one yet, but will keep looking. Blue cross quoted my 25 year old husband at 800+/month Blue cross quoted me and my 2 children(perfectly healthy) at 100/month, thats all 3 of us. SAD I really hope you find what you are looking for, and ask that you look tward a state insurance, for more info contact your local hospital social worker, they have far more resources than many of the DHS workers. ALSO with this state insurance you can work, and as long as you dont go over thier income requirements(basically they look at your income VS your possible medical expenses) BTW what med is she one? hopefully not REBIF(interfueron beta) at $1,600/month. What is her clasification of MS? Hopefully nothing worse than relapsing remitting... my husband used to be relapsing remitting, but unfortunalty due to him being unable to take medication(his liver doesnt tolerate) he has recently bee upgraded to progresive relapsing. I do wish you luck.

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