rebekahphillips
New member
I am getting serious with someone and we ar worried about getting insurance with my CF needs. Any words of wisdom?
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future insurance
- Thread starter rebekahphillips
- Start date
rebekahphillips
New member
I am getting serious with someone and we ar worried about getting insurance with my CF needs. Any words of wisdom?
rebekahphillips
New member
i am on my dad's insurance. we can get cobra. but I am seraching all possiblites now.
rebekahphillips
New member
i am on my dad's insurance. we can get cobra. but I am seraching all possiblites now.
More than likely you will need to get on an employers group insurance plan. You probably won't be able to find and individual plan because of the CF. Since you already have insurance, you won't have to deal with a waiting period on the new policy (HIPPA). But you may want to check the coverage. There might to problems if they have a cap on beneifts.
More than likely you will need to get on an employers group insurance plan. You probably won't be able to find and individual plan because of the CF. Since you already have insurance, you won't have to deal with a waiting period on the new policy (HIPPA). But you may want to check the coverage. There might to problems if they have a cap on beneifts.
There's some information about insurance on the CFF site at <a target=new class=ftalternatingbarlinklarge href="http://www.cff.org/living_with_cf/insurance_and_assistance_programs/">http://www.cff.org/living_with_cf/insurance_and_assistance_programs/</a> .
Note that what's available often varies by state (look at the last link on that page).
Also, though Massachusetts isn't on that site, if you are officially declared disabled, then you are eligible for what's called Commonhealth insurance.
Commonhealth insurance is billed on a sliding scale depending on whether or not you work at least 40 hours a month and depending on total family income.
For specifics in your state, you can probably call the state's insurance bureau.
Good luck.
-LisaV
Note that what's available often varies by state (look at the last link on that page).
Also, though Massachusetts isn't on that site, if you are officially declared disabled, then you are eligible for what's called Commonhealth insurance.
Commonhealth insurance is billed on a sliding scale depending on whether or not you work at least 40 hours a month and depending on total family income.
For specifics in your state, you can probably call the state's insurance bureau.
Good luck.
-LisaV
There's some information about insurance on the CFF site at <a target=new class=ftalternatingbarlinklarge href="http://www.cff.org/living_with_cf/insurance_and_assistance_programs/">http://www.cff.org/living_with_cf/insurance_and_assistance_programs/</a> .
Note that what's available often varies by state (look at the last link on that page).
Also, though Massachusetts isn't on that site, if you are officially declared disabled, then you are eligible for what's called Commonhealth insurance.
Commonhealth insurance is billed on a sliding scale depending on whether or not you work at least 40 hours a month and depending on total family income.
For specifics in your state, you can probably call the state's insurance bureau.
Good luck.
-LisaV
Note that what's available often varies by state (look at the last link on that page).
Also, though Massachusetts isn't on that site, if you are officially declared disabled, then you are eligible for what's called Commonhealth insurance.
Commonhealth insurance is billed on a sliding scale depending on whether or not you work at least 40 hours a month and depending on total family income.
For specifics in your state, you can probably call the state's insurance bureau.
Good luck.
-LisaV
rebekahphillips
New member
thanks lisa. I will look into that!
rebekahphillips
New member
thanks lisa. I will look into that!
link to information on Commonhealth
<a target=new class=ftalternatingbarlinklarge href="http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders">http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders</a>
<a target=new class=ftalternatingbarlinklarge href="http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders">http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders</a>
link to information on Commonhealth
<a target=new class=ftalternatingbarlinklarge href="http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders">http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders</a>
<a target=new class=ftalternatingbarlinklarge href="http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders">http://www.mass.gov/?pageID=eldersterminal&L=2&L0=Home&L1=Health+Care&sid=Eelders&b=terminalcontent&f=ltc_commonhealth&csid=Eelders</a>
What state do you live in? We are from Texas and my husband is self employed. When he started his compnay, we had to apply for COBRA for 18 months, and now we are applying for the Texas Health Risk Pool which is a state run insurance for "uninsurable" individuals. The cost is just a little less expensive than we were paying for COBRA and it is a better policy than we had before. Also, I don't know what your income would be when you move out, but there is also SSI.
What state do you live in? We are from Texas and my husband is self employed. When he started his compnay, we had to apply for COBRA for 18 months, and now we are applying for the Texas Health Risk Pool which is a state run insurance for "uninsurable" individuals. The cost is just a little less expensive than we were paying for COBRA and it is a better policy than we had before. Also, I don't know what your income would be when you move out, but there is also SSI.
what ever you do, don't allow your insurance to lapse. Employer insurance must cover all prior existance conditions if you have not had a lapse in coverage. If you have had a lapse in coverage, all bets are off. I'm a father of a 2 yr old with CF and a cancer surivior, insurance is always a concern with me and my family.
what ever you do, don't allow your insurance to lapse. Employer insurance must cover all prior existance conditions if you have not had a lapse in coverage. If you have had a lapse in coverage, all bets are off. I'm a father of a 2 yr old with CF and a cancer surivior, insurance is always a concern with me and my family.