All Sorts of Insurance Garbage

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Emily65Roses

New member
4-9-10 is actually a Friday. That's another way we're saving money. Friday weddings often offer pretty nice discounts.

And Amy, I know. But even if we move the wedding up, the house thing won't work. That's why I gave you number two. I don't want to get a place after we get married, that's too much going on at once.
 
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Emily65Roses

New member
4-9-10 is actually a Friday. That's another way we're saving money. Friday weddings often offer pretty nice discounts.

And Amy, I know. But even if we move the wedding up, the house thing won't work. That's why I gave you number two. I don't want to get a place after we get married, that's too much going on at once.
 
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Emily65Roses

New member
4-9-10 is actually a Friday. That's another way we're saving money. Friday weddings often offer pretty nice discounts.

And Amy, I know. But even if we move the wedding up, the house thing won't work. That's why I gave you number two. I don't want to get a place after we get married, that's too much going on at once.
 
E

Emily65Roses

New member
4-9-10 is actually a Friday. That's another way we're saving money. Friday weddings often offer pretty nice discounts.

And Amy, I know. But even if we move the wedding up, the house thing won't work. That's why I gave you number two. I don't want to get a place after we get married, that's too much going on at once.
 
E

Emily65Roses

New member
4-9-10 is actually a Friday. That's another way we're saving money. Friday weddings often offer pretty nice discounts.

And Amy, I know. But even if we move the wedding up, the house thing won't work. That's why I gave you number two. I don't want to get a place after we get married, that's too much going on at once.
 
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ReneeP

New member
I just wanted to add a couple of things...

1. I'm sure you don't want to have a lapse in coverage for obvious reasons, but as far as the pre-existing clause goes, you are allowed a 62 day lapse for which they cannot penalize you (by federal law). If you have a 63 day (or greater) lapse, your new insurance company is then allowed to put you on a pre-existing condition clause. The greater the lapse, the longer he waiting period.

2. As a couple of other people said, many insurance companies now insure domestic partners (some only insure same sex partners and some insure both so if that's the route you take, make sure they insure both).

3. In most cases you can stay on your parent's insurance indefinately if you are disabled (not sure what the standard is to prove that, however) but it may be worth looking into...

Good Luck whatever you decide! Ironically, I just watched the Michael Moore documentary "Sicko" last night and literally sat here and cried at how bad our healthcare system is in this country. We are the only civilized and wealthy country in the WORLD that doesn't have socialized medicine... That documentary is really eye opening. I wanted to pack up and move to France by the end of it... :)
 
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ReneeP

New member
I just wanted to add a couple of things...

1. I'm sure you don't want to have a lapse in coverage for obvious reasons, but as far as the pre-existing clause goes, you are allowed a 62 day lapse for which they cannot penalize you (by federal law). If you have a 63 day (or greater) lapse, your new insurance company is then allowed to put you on a pre-existing condition clause. The greater the lapse, the longer he waiting period.

2. As a couple of other people said, many insurance companies now insure domestic partners (some only insure same sex partners and some insure both so if that's the route you take, make sure they insure both).

3. In most cases you can stay on your parent's insurance indefinately if you are disabled (not sure what the standard is to prove that, however) but it may be worth looking into...

Good Luck whatever you decide! Ironically, I just watched the Michael Moore documentary "Sicko" last night and literally sat here and cried at how bad our healthcare system is in this country. We are the only civilized and wealthy country in the WORLD that doesn't have socialized medicine... That documentary is really eye opening. I wanted to pack up and move to France by the end of it... :)
 
R

ReneeP

New member
I just wanted to add a couple of things...

1. I'm sure you don't want to have a lapse in coverage for obvious reasons, but as far as the pre-existing clause goes, you are allowed a 62 day lapse for which they cannot penalize you (by federal law). If you have a 63 day (or greater) lapse, your new insurance company is then allowed to put you on a pre-existing condition clause. The greater the lapse, the longer he waiting period.

2. As a couple of other people said, many insurance companies now insure domestic partners (some only insure same sex partners and some insure both so if that's the route you take, make sure they insure both).

3. In most cases you can stay on your parent's insurance indefinately if you are disabled (not sure what the standard is to prove that, however) but it may be worth looking into...

Good Luck whatever you decide! Ironically, I just watched the Michael Moore documentary "Sicko" last night and literally sat here and cried at how bad our healthcare system is in this country. We are the only civilized and wealthy country in the WORLD that doesn't have socialized medicine... That documentary is really eye opening. I wanted to pack up and move to France by the end of it... :)
 
R

ReneeP

New member
I just wanted to add a couple of things...

1. I'm sure you don't want to have a lapse in coverage for obvious reasons, but as far as the pre-existing clause goes, you are allowed a 62 day lapse for which they cannot penalize you (by federal law). If you have a 63 day (or greater) lapse, your new insurance company is then allowed to put you on a pre-existing condition clause. The greater the lapse, the longer he waiting period.

2. As a couple of other people said, many insurance companies now insure domestic partners (some only insure same sex partners and some insure both so if that's the route you take, make sure they insure both).

3. In most cases you can stay on your parent's insurance indefinately if you are disabled (not sure what the standard is to prove that, however) but it may be worth looking into...

Good Luck whatever you decide! Ironically, I just watched the Michael Moore documentary "Sicko" last night and literally sat here and cried at how bad our healthcare system is in this country. We are the only civilized and wealthy country in the WORLD that doesn't have socialized medicine... That documentary is really eye opening. I wanted to pack up and move to France by the end of it... :)
 
R

ReneeP

New member
I just wanted to add a couple of things...

1. I'm sure you don't want to have a lapse in coverage for obvious reasons, but as far as the pre-existing clause goes, you are allowed a 62 day lapse for which they cannot penalize you (by federal law). If you have a 63 day (or greater) lapse, your new insurance company is then allowed to put you on a pre-existing condition clause. The greater the lapse, the longer he waiting period.

2. As a couple of other people said, many insurance companies now insure domestic partners (some only insure same sex partners and some insure both so if that's the route you take, make sure they insure both).

3. In most cases you can stay on your parent's insurance indefinately if you are disabled (not sure what the standard is to prove that, however) but it may be worth looking into...

Good Luck whatever you decide! Ironically, I just watched the Michael Moore documentary "Sicko" last night and literally sat here and cried at how bad our healthcare system is in this country. We are the only civilized and wealthy country in the WORLD that doesn't have socialized medicine... That documentary is really eye opening. I wanted to pack up and move to France by the end of it... :)
 
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Emily65Roses

New member
Renee, thank you. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I did read that some companies will only insure domestic partners if same sex (they reason that because those people don't have the option of getting married), so I'll be sure to be careful of that. As for my parents' insurance... I know I can stay on it indefinitely if I'm disabled... but not if I'm living on my own.

To be insured by my mother's policy:
1. I can be a full time student living at home
2. I can be a full time student living on my own
3. I can be working and living at home.

I can't be working, and living somewhere else, and still stay on my mom's policy.

I saw Sicko in the theater. And as I'm sure you're aware, you do have to be careful with those because Michael Moore purposely words and frames things to suit his POV. However, certainly a lot of what he put in that movie is indisputable, and I too cried throughout the entire thing when I saw it. Mike and I were discussing moving to Britain. Hahaha.
 
E

Emily65Roses

New member
Renee, thank you. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I did read that some companies will only insure domestic partners if same sex (they reason that because those people don't have the option of getting married), so I'll be sure to be careful of that. As for my parents' insurance... I know I can stay on it indefinitely if I'm disabled... but not if I'm living on my own.

To be insured by my mother's policy:
1. I can be a full time student living at home
2. I can be a full time student living on my own
3. I can be working and living at home.

I can't be working, and living somewhere else, and still stay on my mom's policy.

I saw Sicko in the theater. And as I'm sure you're aware, you do have to be careful with those because Michael Moore purposely words and frames things to suit his POV. However, certainly a lot of what he put in that movie is indisputable, and I too cried throughout the entire thing when I saw it. Mike and I were discussing moving to Britain. Hahaha.
 
E

Emily65Roses

New member
Renee, thank you. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I did read that some companies will only insure domestic partners if same sex (they reason that because those people don't have the option of getting married), so I'll be sure to be careful of that. As for my parents' insurance... I know I can stay on it indefinitely if I'm disabled... but not if I'm living on my own.

To be insured by my mother's policy:
1. I can be a full time student living at home
2. I can be a full time student living on my own
3. I can be working and living at home.

I can't be working, and living somewhere else, and still stay on my mom's policy.

I saw Sicko in the theater. And as I'm sure you're aware, you do have to be careful with those because Michael Moore purposely words and frames things to suit his POV. However, certainly a lot of what he put in that movie is indisputable, and I too cried throughout the entire thing when I saw it. Mike and I were discussing moving to Britain. Hahaha.
 
E

Emily65Roses

New member
Renee, thank you. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I did read that some companies will only insure domestic partners if same sex (they reason that because those people don't have the option of getting married), so I'll be sure to be careful of that. As for my parents' insurance... I know I can stay on it indefinitely if I'm disabled... but not if I'm living on my own.

To be insured by my mother's policy:
1. I can be a full time student living at home
2. I can be a full time student living on my own
3. I can be working and living at home.

I can't be working, and living somewhere else, and still stay on my mom's policy.

I saw Sicko in the theater. And as I'm sure you're aware, you do have to be careful with those because Michael Moore purposely words and frames things to suit his POV. However, certainly a lot of what he put in that movie is indisputable, and I too cried throughout the entire thing when I saw it. Mike and I were discussing moving to Britain. Hahaha.
 
E

Emily65Roses

New member
Renee, thank you. <img src="i/expressions/face-icon-small-smile.gif" border="0"> I did read that some companies will only insure domestic partners if same sex (they reason that because those people don't have the option of getting married), so I'll be sure to be careful of that. As for my parents' insurance... I know I can stay on it indefinitely if I'm disabled... but not if I'm living on my own.

To be insured by my mother's policy:
1. I can be a full time student living at home
2. I can be a full time student living on my own
3. I can be working and living at home.

I can't be working, and living somewhere else, and still stay on my mom's policy.

I saw Sicko in the theater. And as I'm sure you're aware, you do have to be careful with those because Michael Moore purposely words and frames things to suit his POV. However, certainly a lot of what he put in that movie is indisputable, and I too cried throughout the entire thing when I saw it. Mike and I were discussing moving to Britain. Hahaha.
 
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