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

[triples15]

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

HI!

I would second what the previous two posters have stated. I have been fortunate enough to have been insured under my parents, and now my own employer, but I sure understand the anxieties that health insurance (or the lack there of) entails.

I have talked to the social worker at my CF clinic about what would happen in the event I lost my group health insurance. She told me about an insurance plan called CHIPS (Comprehensive Health Insurance Pool). Evidently it is a group plan that anyone can become a member of. I'm guessing it probably varies from state to state (I'm in Nebraska). She said it works just like a group policy one would get through an employer. She said she knew several CF patients who were on it and it covered their meds. Obviously their is monthly premium, but I think it is pretty standard.

The social worker at my CF clinic is always an excellent resource for me. Maybe you could look for information at your clinic. I'm sure they would be happy to help you in spite of the fact you do not go regularly.

Good luck!!

 

[triples15]

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

HI!

I would second what the previous two posters have stated. I have been fortunate enough to have been insured under my parents, and now my own employer, but I sure understand the anxieties that health insurance (or the lack there of) entails.

I have talked to the social worker at my CF clinic about what would happen in the event I lost my group health insurance. She told me about an insurance plan called CHIPS (Comprehensive Health Insurance Pool). Evidently it is a group plan that anyone can become a member of. I'm guessing it probably varies from state to state (I'm in Nebraska). She said it works just like a group policy one would get through an employer. She said she knew several CF patients who were on it and it covered their meds. Obviously their is monthly premium, but I think it is pretty standard.

The social worker at my CF clinic is always an excellent resource for me. Maybe you could look for information at your clinic. I'm sure they would be happy to help you in spite of the fact you do not go regularly.

Good luck!!

 

[triples15]

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

HI!

I would second what the previous two posters have stated. I have been fortunate enough to have been insured under my parents, and now my own employer, but I sure understand the anxieties that health insurance (or the lack there of) entails.

I have talked to the social worker at my CF clinic about what would happen in the event I lost my group health insurance. She told me about an insurance plan called CHIPS (Comprehensive Health Insurance Pool). Evidently it is a group plan that anyone can become a member of. I'm guessing it probably varies from state to state (I'm in Nebraska). She said it works just like a group policy one would get through an employer. She said she knew several CF patients who were on it and it covered their meds. Obviously their is monthly premium, but I think it is pretty standard.

The social worker at my CF clinic is always an excellent resource for me. Maybe you could look for information at your clinic. I'm sure they would be happy to help you in spite of the fact you do not go regularly.

Good luck!!

 

[triples15]

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

HI!

I would second what the previous two posters have stated. I have been fortunate enough to have been insured under my parents, and now my own employer, but I sure understand the anxieties that health insurance (or the lack there of) entails.

I have talked to the social worker at my CF clinic about what would happen in the event I lost my group health insurance. She told me about an insurance plan called CHIPS (Comprehensive Health Insurance Pool). Evidently it is a group plan that anyone can become a member of. I'm guessing it probably varies from state to state (I'm in Nebraska). She said it works just like a group policy one would get through an employer. She said she knew several CF patients who were on it and it covered their meds. Obviously their is monthly premium, but I think it is pretty standard.

The social worker at my CF clinic is always an excellent resource for me. Maybe you could look for information at your clinic. I'm sure they would be happy to help you in spite of the fact you do not go regularly.

Good luck!!

 

[triples15]

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

HI!

I would second what the previous two posters have stated. I have been fortunate enough to have been insured under my parents, and now my own employer, but I sure understand the anxieties that health insurance (or the lack there of) entails.

I have talked to the social worker at my CF clinic about what would happen in the event I lost my group health insurance. She told me about an insurance plan called CHIPS (Comprehensive Health Insurance Pool). Evidently it is a group plan that anyone can become a member of. I'm guessing it probably varies from state to state (I'm in Nebraska). She said it works just like a group policy one would get through an employer. She said she knew several CF patients who were on it and it covered their meds. Obviously their is monthly premium, but I think it is pretty standard.

The social worker at my CF clinic is always an excellent resource for me. Maybe you could look for information at your clinic. I'm sure they would be happy to help you in spite of the fact you do not go regularly.

Good luck!!

 

[thefrogprincess]

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

You say you have gotten lots of job offers, don't any of then offer health insurance? If you are able to work then this is your best bet for getting insurance.

 

[thefrogprincess]

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

You say you have gotten lots of job offers, don't any of then offer health insurance? If you are able to work then this is your best bet for getting insurance.

 

[thefrogprincess]

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

You say you have gotten lots of job offers, don't any of then offer health insurance? If you are able to work then this is your best bet for getting insurance.

 

[thefrogprincess]

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

You say you have gotten lots of job offers, don't any of then offer health insurance? If you are able to work then this is your best bet for getting insurance.

 

[thefrogprincess]

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

You say you have gotten lots of job offers, don't any of then offer health insurance? If you are able to work then this is your best bet for getting insurance.

 

[Throatviolence]

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

see i was always under the impression that i couldnt get insured by anyone even under an employer due to having CF. My mother has drilled this into my brain for so long, that I wasnt even gonna risk it. So I CAN get insured by an employers insurance company? Like I said I was always told that I would never be able to do that. Thanks somuch for the responses! This is making things so much easier in my brain forme

 

[Throatviolence]

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

see i was always under the impression that i couldnt get insured by anyone even under an employer due to having CF. My mother has drilled this into my brain for so long, that I wasnt even gonna risk it. So I CAN get insured by an employers insurance company? Like I said I was always told that I would never be able to do that. Thanks somuch for the responses! This is making things so much easier in my brain forme

 

[Throatviolence]

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

see i was always under the impression that i couldnt get insured by anyone even under an employer due to having CF. My mother has drilled this into my brain for so long, that I wasnt even gonna risk it. So I CAN get insured by an employers insurance company? Like I said I was always told that I would never be able to do that. Thanks somuch for the responses! This is making things so much easier in my brain forme

 

[Throatviolence]

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

see i was always under the impression that i couldnt get insured by anyone even under an employer due to having CF. My mother has drilled this into my brain for so long, that I wasnt even gonna risk it. So I CAN get insured by an employers insurance company? Like I said I was always told that I would never be able to do that. Thanks somuch for the responses! This is making things so much easier in my brain forme

 

[Throatviolence]

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

see i was always under the impression that i couldnt get insured by anyone even under an employer due to having CF. My mother has drilled this into my brain for so long, that I wasnt even gonna risk it. So I CAN get insured by an employers insurance company? Like I said I was always told that I would never be able to do that. Thanks somuch for the responses! This is making things so much easier in my brain forme

 

[lightNlife]

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

It depends on your employer's policy. Sorry your mom gave you a bum steer. Glad we could help settle your brain a bit. Some companies (the larger ones especially) have flexible savings accounts for medical expenses. How that works is you designate a portion of your paycheck to be put in a savings account each pay period. That money reduces your level of taxable income, which can help in the long run. Then, when you need to buy medications, you do so and get reimbursed with your own money that you've put into the flex savings account. As long as you've got a steady source of income, it's a painless way to make sure you're putting aside the right amount for meds each month.

Good luck! Ask your boss or supervisor when your company has "open enrollment." That is the time when you'd be able to join up with the employer's health plan. Usually that happens in the final quarter of the year, so it's probably just around the corner. When you're covered under an employer's plan, you are legally entitled to some measure of coverage without having to pass a physical. My coverage under my employer's plan even extends to my spouse. We've even got life insurance w/o having had to have a physical.


Some things to make sure are covered in your health plan:

durable medical (home healthcare stuff)
hospitalization
prescription copays that are a flat fee and not a % of the price of the drug
Mental health options

If your job is a union position, you may need to look into what the union negotiates for you. Unfortunately, I really don't know anything about labor unions.

 

[lightNlife]

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

It depends on your employer's policy. Sorry your mom gave you a bum steer. Glad we could help settle your brain a bit. Some companies (the larger ones especially) have flexible savings accounts for medical expenses. How that works is you designate a portion of your paycheck to be put in a savings account each pay period. That money reduces your level of taxable income, which can help in the long run. Then, when you need to buy medications, you do so and get reimbursed with your own money that you've put into the flex savings account. As long as you've got a steady source of income, it's a painless way to make sure you're putting aside the right amount for meds each month.

Good luck! Ask your boss or supervisor when your company has "open enrollment." That is the time when you'd be able to join up with the employer's health plan. Usually that happens in the final quarter of the year, so it's probably just around the corner. When you're covered under an employer's plan, you are legally entitled to some measure of coverage without having to pass a physical. My coverage under my employer's plan even extends to my spouse. We've even got life insurance w/o having had to have a physical.


Some things to make sure are covered in your health plan:

durable medical (home healthcare stuff)
hospitalization
prescription copays that are a flat fee and not a % of the price of the drug
Mental health options

If your job is a union position, you may need to look into what the union negotiates for you. Unfortunately, I really don't know anything about labor unions.

 

[lightNlife]

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

It depends on your employer's policy. Sorry your mom gave you a bum steer. Glad we could help settle your brain a bit. Some companies (the larger ones especially) have flexible savings accounts for medical expenses. How that works is you designate a portion of your paycheck to be put in a savings account each pay period. That money reduces your level of taxable income, which can help in the long run. Then, when you need to buy medications, you do so and get reimbursed with your own money that you've put into the flex savings account. As long as you've got a steady source of income, it's a painless way to make sure you're putting aside the right amount for meds each month.

Good luck! Ask your boss or supervisor when your company has "open enrollment." That is the time when you'd be able to join up with the employer's health plan. Usually that happens in the final quarter of the year, so it's probably just around the corner. When you're covered under an employer's plan, you are legally entitled to some measure of coverage without having to pass a physical. My coverage under my employer's plan even extends to my spouse. We've even got life insurance w/o having had to have a physical.


Some things to make sure are covered in your health plan:

durable medical (home healthcare stuff)
hospitalization
prescription copays that are a flat fee and not a % of the price of the drug
Mental health options

If your job is a union position, you may need to look into what the union negotiates for you. Unfortunately, I really don't know anything about labor unions.

 

[lightNlife]

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

It depends on your employer's policy. Sorry your mom gave you a bum steer. Glad we could help settle your brain a bit. Some companies (the larger ones especially) have flexible savings accounts for medical expenses. How that works is you designate a portion of your paycheck to be put in a savings account each pay period. That money reduces your level of taxable income, which can help in the long run. Then, when you need to buy medications, you do so and get reimbursed with your own money that you've put into the flex savings account. As long as you've got a steady source of income, it's a painless way to make sure you're putting aside the right amount for meds each month.

Good luck! Ask your boss or supervisor when your company has "open enrollment." That is the time when you'd be able to join up with the employer's health plan. Usually that happens in the final quarter of the year, so it's probably just around the corner. When you're covered under an employer's plan, you are legally entitled to some measure of coverage without having to pass a physical. My coverage under my employer's plan even extends to my spouse. We've even got life insurance w/o having had to have a physical.


Some things to make sure are covered in your health plan:

durable medical (home healthcare stuff)
hospitalization
prescription copays that are a flat fee and not a % of the price of the drug
Mental health options

If your job is a union position, you may need to look into what the union negotiates for you. Unfortunately, I really don't know anything about labor unions.

 

[lightNlife]

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

It depends on your employer's policy. Sorry your mom gave you a bum steer. Glad we could help settle your brain a bit. Some companies (the larger ones especially) have flexible savings accounts for medical expenses. How that works is you designate a portion of your paycheck to be put in a savings account each pay period. That money reduces your level of taxable income, which can help in the long run. Then, when you need to buy medications, you do so and get reimbursed with your own money that you've put into the flex savings account. As long as you've got a steady source of income, it's a painless way to make sure you're putting aside the right amount for meds each month.

Good luck! Ask your boss or supervisor when your company has "open enrollment." That is the time when you'd be able to join up with the employer's health plan. Usually that happens in the final quarter of the year, so it's probably just around the corner. When you're covered under an employer's plan, you are legally entitled to some measure of coverage without having to pass a physical. My coverage under my employer's plan even extends to my spouse. We've even got life insurance w/o having had to have a physical.


Some things to make sure are covered in your health plan:

durable medical (home healthcare stuff)
hospitalization
prescription copays that are a flat fee and not a % of the price of the drug
Mental health options

If your job is a union position, you may need to look into what the union negotiates for you. Unfortunately, I really don't know anything about labor unions.