Hospital Indemnity Policy for CFers

[julie]

Alisha, check out the link above. It's an accident and sickness policy. Some states sell them as a joint policy, and some as a separate.
<br />
<br />Just my personal opinion... I don't see why someone wouldn't cover their spouse and kids. I mean, I've had a few ER visits for myself, and some for the kids. And as they get older and into sports, broken bones, stitches, broken teeth... Covering my kids was only $13 more per month for me. And getting the policy on just myself was $98. So I choose the family policy and could add Mark (my ex husband) and all 3 of my kids for like $70 more. Just a though

 

[Asexyblond23]

I just emailed for someone to call me. I currently have a policy like this thru another company but is much less of a premium but pays out $75 a day and $50 a day at home for $345 a year. $1000 a year is alot but to have it later in life would be great. Do you know if they have a limit besides the hospital admit one that is once every 30 days. Do they have a yearly limit on days in the hospital? Or days in aftercare?

 

[Asexyblond23]

I just emailed for someone to call me. I currently have a policy like this thru another company but is much less of a premium but pays out $75 a day and $50 a day at home for $345 a year. $1000 a year is alot but to have it later in life would be great. Do you know if they have a limit besides the hospital admit one that is once every 30 days. Do they have a yearly limit on days in the hospital? Or days in aftercare?

 

[Asexyblond23]

I just emailed for someone to call me. I currently have a policy like this thru another company but is much less of a premium but pays out $75 a day and $50 a day at home for $345 a year. $1000 a year is alot but to have it later in life would be great. Do you know if they have a limit besides the hospital admit one that is once every 30 days. Do they have a yearly limit on days in the hospital? Or days in aftercare?

 

[julie]

Alyssa, I talked to my friend tonight who's also my rep and he told me that the policies vary from state to state depending on what that states insurance commissioner allows.

So, like in the state of WA, they don't have an "aftercare" following a hospitalization. But in Jada's state they do offer that. I'd honestly recommend you keep your policy and have both policies.

As far as the hospitalizations, here's what my policy says about it. If you are admitted to the hospital MORE THAN ONCE in the same 30 day period, for the SAME ISSUE, you will only be paid ONE "hospital admission" benefit of $600. So if you are admitted January 2nd, and then again on january 24th, you will only get the $600 for January 2nd. However, if you are admitted January 2nd, and then again February 5th, you would get the $600 EACH time.

It will pay for up to 365 CONSECUTIVE days in the hospital (hopefully none of us experiences that). But there is NO lifetime limit other than the CONSECUTIVE factor.

As for the states that offer the "aftercare" policy feature, the days in "aftercare" equal the number of days you were hospitalized.

Hope that helps

 

[julie]

Alyssa, I talked to my friend tonight who's also my rep and he told me that the policies vary from state to state depending on what that states insurance commissioner allows.

So, like in the state of WA, they don't have an "aftercare" following a hospitalization. But in Jada's state they do offer that. I'd honestly recommend you keep your policy and have both policies.

As far as the hospitalizations, here's what my policy says about it. If you are admitted to the hospital MORE THAN ONCE in the same 30 day period, for the SAME ISSUE, you will only be paid ONE "hospital admission" benefit of $600. So if you are admitted January 2nd, and then again on january 24th, you will only get the $600 for January 2nd. However, if you are admitted January 2nd, and then again February 5th, you would get the $600 EACH time.

It will pay for up to 365 CONSECUTIVE days in the hospital (hopefully none of us experiences that). But there is NO lifetime limit other than the CONSECUTIVE factor.

As for the states that offer the "aftercare" policy feature, the days in "aftercare" equal the number of days you were hospitalized.

Hope that helps

 

[julie]

Alyssa, I talked to my friend tonight who's also my rep and he told me that the policies vary from state to state depending on what that states insurance commissioner allows.
<br />
<br />So, like in the state of WA, they don't have an "aftercare" following a hospitalization. But in Jada's state they do offer that. I'd honestly recommend you keep your policy and have both policies.
<br />
<br />As far as the hospitalizations, here's what my policy says about it. If you are admitted to the hospital MORE THAN ONCE in the same 30 day period, for the SAME ISSUE, you will only be paid ONE "hospital admission" benefit of $600. So if you are admitted January 2nd, and then again on january 24th, you will only get the $600 for January 2nd. However, if you are admitted January 2nd, and then again February 5th, you would get the $600 EACH time.
<br />
<br />It will pay for up to 365 CONSECUTIVE days in the hospital (hopefully none of us experiences that). But there is NO lifetime limit other than the CONSECUTIVE factor.
<br />
<br />As for the states that offer the "aftercare" policy feature, the days in "aftercare" equal the number of days you were hospitalized.
<br />
<br />Hope that helps

 

[hmw]

I understand that if I were to get one of these plans that I would have to wait a year before any of Emily's CF-related ER or hospital stays were covered. However, what difference in premium is there between having healthy children vs. one with a severe illness? Do they look back at your childs' medical hx/records in determining cost of coverage?

 

[hmw]

I understand that if I were to get one of these plans that I would have to wait a year before any of Emily's CF-related ER or hospital stays were covered. However, what difference in premium is there between having healthy children vs. one with a severe illness? Do they look back at your childs' medical hx/records in determining cost of coverage?

 

[hmw]

I understand that if I were to get one of these plans that I would have to wait a year before any of Emily's CF-related ER or hospital stays were covered. However, what difference in premium is there between having healthy children vs. one with a severe illness? Do they look back at your childs' medical hx/records in determining cost of coverage?

 

[TonyaH]

Is this completely seperate from medical coverage? Would having a private health insurance carrier through my husband's employer affect our rates or benefits? Or would we also have to carry our medcal insurance through this company to get the hospital idemnity benefits?

Julie, THANK YOU for starting this thread!..What great information!

 

[TonyaH]

Is this completely seperate from medical coverage? Would having a private health insurance carrier through my husband's employer affect our rates or benefits? Or would we also have to carry our medcal insurance through this company to get the hospital idemnity benefits?

Julie, THANK YOU for starting this thread!..What great information!

 

[TonyaH]

Is this completely seperate from medical coverage? Would having a private health insurance carrier through my husband's employer affect our rates or benefits? Or would we also have to carry our medcal insurance through this company to get the hospital idemnity benefits?
<br />
<br />Julie, THANK YOU for starting this thread!..What great information!

 

[LouLou]

I never considered getting a hospital indemnity policy but do have a sickness/accident insurance (through Aflac). I had one LARGE claim pay out for $8K for the time when I could no longer work but was in the 6 month waiting period for my SSDI payments to kick in. I have continued the coverage through Aflac even though I can't make a claim while on SSDI.

The reason I never got an indemnity policy is because I don't plan to be hospitalized unless I need hospital intervention such as trached, bipap, etc. I don't expect to need these things until I am end stage. My FEV1 is in the high 60s/ low 70s. Am I being ignorantly optimistic?

Has anyone had success getting paid out with a "home hospitalization" as necessitated by a doctor (ie. home antibiotic IV therapy)? Up until recently I was doing one of these every 8-12 weeks.

 

[LouLou]

I never considered getting a hospital indemnity policy but do have a sickness/accident insurance (through Aflac). I had one LARGE claim pay out for $8K for the time when I could no longer work but was in the 6 month waiting period for my SSDI payments to kick in. I have continued the coverage through Aflac even though I can't make a claim while on SSDI.

The reason I never got an indemnity policy is because I don't plan to be hospitalized unless I need hospital intervention such as trached, bipap, etc. I don't expect to need these things until I am end stage. My FEV1 is in the high 60s/ low 70s. Am I being ignorantly optimistic?

Has anyone had success getting paid out with a "home hospitalization" as necessitated by a doctor (ie. home antibiotic IV therapy)? Up until recently I was doing one of these every 8-12 weeks.

 

[LouLou]

I never considered getting a hospital indemnity policy but do have a sickness/accident insurance (through Aflac). I had one LARGE claim pay out for $8K for the time when I could no longer work but was in the 6 month waiting period for my SSDI payments to kick in. I have continued the coverage through Aflac even though I can't make a claim while on SSDI.
<br />
<br />The reason I never got an indemnity policy is because I don't plan to be hospitalized unless I need hospital intervention such as trached, bipap, etc. I don't expect to need these things until I am end stage. My FEV1 is in the high 60s/ low 70s. Am I being ignorantly optimistic?
<br />
<br />Has anyone had success getting paid out with a "home hospitalization" as necessitated by a doctor (ie. home antibiotic IV therapy)? Up until recently I was doing one of these every 8-12 weeks.

 

[julie]

Harriett, premiums do NOT differ based on medical history. They have some exclusions for coverage, like diabetes and stuff, but your premiums are not higher or lower based on a medical condition.

Yes, it would be a year before any of emily's CF related ER or hospital stays were covered. My policy was purchased in February 9th, 2010 and Mark was hospitalized February 12th 2011 and they paid in full. <img src="i/expressions/face-icon-small-smile.gif" border="0"> But, lets say she had an ear infection that you had to take her to the ER for, or if she broke a finger or something non CF related, it's covered immediately.

 

[julie]

Harriett, premiums do NOT differ based on medical history. They have some exclusions for coverage, like diabetes and stuff, but your premiums are not higher or lower based on a medical condition.

Yes, it would be a year before any of emily's CF related ER or hospital stays were covered. My policy was purchased in February 9th, 2010 and Mark was hospitalized February 12th 2011 and they paid in full. <img src="i/expressions/face-icon-small-smile.gif" border="0"> But, lets say she had an ear infection that you had to take her to the ER for, or if she broke a finger or something non CF related, it's covered immediately.

 

[julie]

Harriett, premiums do NOT differ based on medical history. They have some exclusions for coverage, like diabetes and stuff, but your premiums are not higher or lower based on a medical condition.
<br />
<br />Yes, it would be a year before any of emily's CF related ER or hospital stays were covered. My policy was purchased in February 9th, 2010 and Mark was hospitalized February 12th 2011 and they paid in full. <img src="i/expressions/face-icon-small-smile.gif" border="0"> But, lets say she had an ear infection that you had to take her to the ER for, or if she broke a finger or something non CF related, it's covered immediately.

 

[julie]

Lauren, hospital indemnity and sickness/accident policies are the same thing. Combined insurance's policy that I'm referring to is the same as Aflac's, only Aflac no longer covers Cfers (you can't get a NEW policy now, if you are already covered, by law they cannot terminate your coverage).

There is NOTHING with combined in my state that says you can't get benefits while on disability.

To answer your question honestly... yes, I think you are being ignorantly optimistic. There is likely going to come a time when your doctor feels that your needs and recovery would be better treated in a hospital. <u><b>The thing is, I think it's only a matter of years, if not months, before Combined insurance has CF as an exclusion, just life AFLAC did 2 years ago. </b></u>I've never heard of anyone getting a "home hospitalization" paid for, but there's a first for everything. Just my thoughts though