CF and getting health insurance! Please help me! its a long story and im at the end of my rope

[Alyssa]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

Yes, you can get employer sponsored health insurance. If you haven't had insurance in a while they can hold coverage for pre-existing conditions (CF for sure) for up to 18 months, but no more (Federal Law) and many companies only go 6 months anyway - then they would start paying for everything.

The good news is <b>IF</b> you had the Medicaid coverage recently, and you get health insurance through your employer, you will not be held out for pre-existing conditions at all !! The only catch is, you cannot have had a lapse in coverage for more than 62 days -- that too is a Federal Law -- so if you still have Medicaid, hang on to it until you get health insurance through an employer, don't let it lapse for more than 62 days and you should be in the clear. The only fly in the ointment would be many employers make you wait 90 days before insurance starts and that would be too long (more than 63 days) without Medicaid (previous coverage). How long ago did your dad cancel your policy? If it wasn't more than 60 days ago, you have a shot at paying that policy under the COBRA act. It would be expensive, but it would keep you covered until your new insurance kicked in and then they couldn't hold you out for pre-existing conditions.

Send me a Private message if you want to talk about this more

 

[Alyssa]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

Yes, you can get employer sponsored health insurance. If you haven't had insurance in a while they can hold coverage for pre-existing conditions (CF for sure) for up to 18 months, but no more (Federal Law) and many companies only go 6 months anyway - then they would start paying for everything.

The good news is <b>IF</b> you had the Medicaid coverage recently, and you get health insurance through your employer, you will not be held out for pre-existing conditions at all !! The only catch is, you cannot have had a lapse in coverage for more than 62 days -- that too is a Federal Law -- so if you still have Medicaid, hang on to it until you get health insurance through an employer, don't let it lapse for more than 62 days and you should be in the clear. The only fly in the ointment would be many employers make you wait 90 days before insurance starts and that would be too long (more than 63 days) without Medicaid (previous coverage). How long ago did your dad cancel your policy? If it wasn't more than 60 days ago, you have a shot at paying that policy under the COBRA act. It would be expensive, but it would keep you covered until your new insurance kicked in and then they couldn't hold you out for pre-existing conditions.

Send me a Private message if you want to talk about this more

 

[Alyssa]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

Yes, you can get employer sponsored health insurance. If you haven't had insurance in a while they can hold coverage for pre-existing conditions (CF for sure) for up to 18 months, but no more (Federal Law) and many companies only go 6 months anyway - then they would start paying for everything.

The good news is <b>IF</b> you had the Medicaid coverage recently, and you get health insurance through your employer, you will not be held out for pre-existing conditions at all !! The only catch is, you cannot have had a lapse in coverage for more than 62 days -- that too is a Federal Law -- so if you still have Medicaid, hang on to it until you get health insurance through an employer, don't let it lapse for more than 62 days and you should be in the clear. The only fly in the ointment would be many employers make you wait 90 days before insurance starts and that would be too long (more than 63 days) without Medicaid (previous coverage). How long ago did your dad cancel your policy? If it wasn't more than 60 days ago, you have a shot at paying that policy under the COBRA act. It would be expensive, but it would keep you covered until your new insurance kicked in and then they couldn't hold you out for pre-existing conditions.

Send me a Private message if you want to talk about this more

 

[Alyssa]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

Yes, you can get employer sponsored health insurance. If you haven't had insurance in a while they can hold coverage for pre-existing conditions (CF for sure) for up to 18 months, but no more (Federal Law) and many companies only go 6 months anyway - then they would start paying for everything.

The good news is <b>IF</b> you had the Medicaid coverage recently, and you get health insurance through your employer, you will not be held out for pre-existing conditions at all !! The only catch is, you cannot have had a lapse in coverage for more than 62 days -- that too is a Federal Law -- so if you still have Medicaid, hang on to it until you get health insurance through an employer, don't let it lapse for more than 62 days and you should be in the clear. The only fly in the ointment would be many employers make you wait 90 days before insurance starts and that would be too long (more than 63 days) without Medicaid (previous coverage). How long ago did your dad cancel your policy? If it wasn't more than 60 days ago, you have a shot at paying that policy under the COBRA act. It would be expensive, but it would keep you covered until your new insurance kicked in and then they couldn't hold you out for pre-existing conditions.

Send me a Private message if you want to talk about this more

 

[Alyssa]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

Yes, you can get employer sponsored health insurance. If you haven't had insurance in a while they can hold coverage for pre-existing conditions (CF for sure) for up to 18 months, but no more (Federal Law) and many companies only go 6 months anyway - then they would start paying for everything.

The good news is <b>IF</b> you had the Medicaid coverage recently, and you get health insurance through your employer, you will not be held out for pre-existing conditions at all !! The only catch is, you cannot have had a lapse in coverage for more than 62 days -- that too is a Federal Law -- so if you still have Medicaid, hang on to it until you get health insurance through an employer, don't let it lapse for more than 62 days and you should be in the clear. The only fly in the ointment would be many employers make you wait 90 days before insurance starts and that would be too long (more than 63 days) without Medicaid (previous coverage). How long ago did your dad cancel your policy? If it wasn't more than 60 days ago, you have a shot at paying that policy under the COBRA act. It would be expensive, but it would keep you covered until your new insurance kicked in and then they couldn't hold you out for pre-existing conditions.

Send me a Private message if you want to talk about this more

 

[Buckeye]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I worked in the hospitality industry for years. I think your best bet of getting a good insurance plan with low monthly cost to you would be at a large hotel chain - a Hilton or Hyatt or something along that line. Since you are in Atlanta there should be tons of them. Those hotels would have large banquet facilities and fancy restaurants so they are in need of Exec Chefs and they tend to pay well (with regulary scheduled raises). You will also get paid vacation and some paid sick days etc that might come in handy when you are out sick. Personally I would stay away from the stand alone restaurants because the majority of the employees are waitstaff and they tend to not want insurance (not always their primary job and they tend to be more transient in their jobs) so there are not normally enough employees on the plan to make it reasonable. Plus a small restaurant may offer insurance to you, but they may not be paying a very large portion of it themsleves. Larger hotels normally offers insurance and they pick up a percentage of the cost of it and they charge you the other percentage (normally they pick up 65% of the cost of the insurance and you pay 35%). Large hotels also have hundreds of employees so they get better group rates in the first place than a small restaurant with 20 employees. Most places will have a waiting period though.

 

[Buckeye]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I worked in the hospitality industry for years. I think your best bet of getting a good insurance plan with low monthly cost to you would be at a large hotel chain - a Hilton or Hyatt or something along that line. Since you are in Atlanta there should be tons of them. Those hotels would have large banquet facilities and fancy restaurants so they are in need of Exec Chefs and they tend to pay well (with regulary scheduled raises). You will also get paid vacation and some paid sick days etc that might come in handy when you are out sick. Personally I would stay away from the stand alone restaurants because the majority of the employees are waitstaff and they tend to not want insurance (not always their primary job and they tend to be more transient in their jobs) so there are not normally enough employees on the plan to make it reasonable. Plus a small restaurant may offer insurance to you, but they may not be paying a very large portion of it themsleves. Larger hotels normally offers insurance and they pick up a percentage of the cost of it and they charge you the other percentage (normally they pick up 65% of the cost of the insurance and you pay 35%). Large hotels also have hundreds of employees so they get better group rates in the first place than a small restaurant with 20 employees. Most places will have a waiting period though.

 

[Buckeye]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I worked in the hospitality industry for years. I think your best bet of getting a good insurance plan with low monthly cost to you would be at a large hotel chain - a Hilton or Hyatt or something along that line. Since you are in Atlanta there should be tons of them. Those hotels would have large banquet facilities and fancy restaurants so they are in need of Exec Chefs and they tend to pay well (with regulary scheduled raises). You will also get paid vacation and some paid sick days etc that might come in handy when you are out sick. Personally I would stay away from the stand alone restaurants because the majority of the employees are waitstaff and they tend to not want insurance (not always their primary job and they tend to be more transient in their jobs) so there are not normally enough employees on the plan to make it reasonable. Plus a small restaurant may offer insurance to you, but they may not be paying a very large portion of it themsleves. Larger hotels normally offers insurance and they pick up a percentage of the cost of it and they charge you the other percentage (normally they pick up 65% of the cost of the insurance and you pay 35%). Large hotels also have hundreds of employees so they get better group rates in the first place than a small restaurant with 20 employees. Most places will have a waiting period though.

 

[Buckeye]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I worked in the hospitality industry for years. I think your best bet of getting a good insurance plan with low monthly cost to you would be at a large hotel chain - a Hilton or Hyatt or something along that line. Since you are in Atlanta there should be tons of them. Those hotels would have large banquet facilities and fancy restaurants so they are in need of Exec Chefs and they tend to pay well (with regulary scheduled raises). You will also get paid vacation and some paid sick days etc that might come in handy when you are out sick. Personally I would stay away from the stand alone restaurants because the majority of the employees are waitstaff and they tend to not want insurance (not always their primary job and they tend to be more transient in their jobs) so there are not normally enough employees on the plan to make it reasonable. Plus a small restaurant may offer insurance to you, but they may not be paying a very large portion of it themsleves. Larger hotels normally offers insurance and they pick up a percentage of the cost of it and they charge you the other percentage (normally they pick up 65% of the cost of the insurance and you pay 35%). Large hotels also have hundreds of employees so they get better group rates in the first place than a small restaurant with 20 employees. Most places will have a waiting period though.

 

[Buckeye]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I worked in the hospitality industry for years. I think your best bet of getting a good insurance plan with low monthly cost to you would be at a large hotel chain - a Hilton or Hyatt or something along that line. Since you are in Atlanta there should be tons of them. Those hotels would have large banquet facilities and fancy restaurants so they are in need of Exec Chefs and they tend to pay well (with regulary scheduled raises). You will also get paid vacation and some paid sick days etc that might come in handy when you are out sick. Personally I would stay away from the stand alone restaurants because the majority of the employees are waitstaff and they tend to not want insurance (not always their primary job and they tend to be more transient in their jobs) so there are not normally enough employees on the plan to make it reasonable. Plus a small restaurant may offer insurance to you, but they may not be paying a very large portion of it themsleves. Larger hotels normally offers insurance and they pick up a percentage of the cost of it and they charge you the other percentage (normally they pick up 65% of the cost of the insurance and you pay 35%). Large hotels also have hundreds of employees so they get better group rates in the first place than a small restaurant with 20 employees. Most places will have a waiting period though.

 

[paws]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I agree with others that have posted...if you or your wife could find an employer offering a group plan that would be your best choice. When you are first hired you can usually enroll both you and a spouse with no physical examination required.

If that doesn't work out, then yes, most states have some sort of insurance pool. Mine does (LA), but the premiums and deductible are rather high. I'm paying it right now since we're self-employed and I must say it's worth it to have the coverage.

 

[paws]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I agree with others that have posted...if you or your wife could find an employer offering a group plan that would be your best choice. When you are first hired you can usually enroll both you and a spouse with no physical examination required.

If that doesn't work out, then yes, most states have some sort of insurance pool. Mine does (LA), but the premiums and deductible are rather high. I'm paying it right now since we're self-employed and I must say it's worth it to have the coverage.

 

[paws]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I agree with others that have posted...if you or your wife could find an employer offering a group plan that would be your best choice. When you are first hired you can usually enroll both you and a spouse with no physical examination required.

If that doesn't work out, then yes, most states have some sort of insurance pool. Mine does (LA), but the premiums and deductible are rather high. I'm paying it right now since we're self-employed and I must say it's worth it to have the coverage.

 

[paws]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I agree with others that have posted...if you or your wife could find an employer offering a group plan that would be your best choice. When you are first hired you can usually enroll both you and a spouse with no physical examination required.

If that doesn't work out, then yes, most states have some sort of insurance pool. Mine does (LA), but the premiums and deductible are rather high. I'm paying it right now since we're self-employed and I must say it's worth it to have the coverage.

 

[paws]

CF and getting health insurance! Please help me! its a long story and im at the end of my rope

I agree with others that have posted...if you or your wife could find an employer offering a group plan that would be your best choice. When you are first hired you can usually enroll both you and a spouse with no physical examination required.

If that doesn't work out, then yes, most states have some sort of insurance pool. Mine does (LA), but the premiums and deductible are rather high. I'm paying it right now since we're self-employed and I must say it's worth it to have the coverage.