I am a college graduate with CF in need of health insurance...

[JennifersHope]

Heres the thing, how long have you been off your dads insurance? If you have a greater then 90 day gap in coverage, any insurance you get has the right to deny covering any pre-exsisting condition for an entire year.

Meaning once you get insurance, it will cover any normal health problems that arise but nothing to do with CF...

If if has been under 90 days I would find any job that would give you insurance right away and go from there.

It is very hard to get private insurance unless you had it from birth...

Can you get back on your dads insurance if you go back to school? Maybe you can enroll and take some classes, some states have laws that the child can be covered to age 25 if they are in school..

If all else fails, don't withhold going to the doctor, every hospital that is not private has to have Charity care based care that you can apply for.

Good luck

 

[JennifersHope]

Heres the thing, how long have you been off your dads insurance? If you have a greater then 90 day gap in coverage, any insurance you get has the right to deny covering any pre-exsisting condition for an entire year.

Meaning once you get insurance, it will cover any normal health problems that arise but nothing to do with CF...

If if has been under 90 days I would find any job that would give you insurance right away and go from there.

It is very hard to get private insurance unless you had it from birth...

Can you get back on your dads insurance if you go back to school? Maybe you can enroll and take some classes, some states have laws that the child can be covered to age 25 if they are in school..

If all else fails, don't withhold going to the doctor, every hospital that is not private has to have Charity care based care that you can apply for.

Good luck

 

[JennifersHope]

Heres the thing, how long have you been off your dads insurance? If you have a greater then 90 day gap in coverage, any insurance you get has the right to deny covering any pre-exsisting condition for an entire year.

Meaning once you get insurance, it will cover any normal health problems that arise but nothing to do with CF...

If if has been under 90 days I would find any job that would give you insurance right away and go from there.

It is very hard to get private insurance unless you had it from birth...

Can you get back on your dads insurance if you go back to school? Maybe you can enroll and take some classes, some states have laws that the child can be covered to age 25 if they are in school..

If all else fails, don't withhold going to the doctor, every hospital that is not private has to have Charity care based care that you can apply for.

Good luck

 

[JennifersHope]

Heres the thing, how long have you been off your dads insurance? If you have a greater then 90 day gap in coverage, any insurance you get has the right to deny covering any pre-exsisting condition for an entire year.

Meaning once you get insurance, it will cover any normal health problems that arise but nothing to do with CF...

If if has been under 90 days I would find any job that would give you insurance right away and go from there.

It is very hard to get private insurance unless you had it from birth...

Can you get back on your dads insurance if you go back to school? Maybe you can enroll and take some classes, some states have laws that the child can be covered to age 25 if they are in school..

If all else fails, don't withhold going to the doctor, every hospital that is not private has to have Charity care based care that you can apply for.

Good luck

 

[JennifersHope]

Heres the thing, how long have you been off your dads insurance? If you have a greater then 90 day gap in coverage, any insurance you get has the right to deny covering any pre-exsisting condition for an entire year.
<br />
<br />Meaning once you get insurance, it will cover any normal health problems that arise but nothing to do with CF...
<br />
<br />If if has been under 90 days I would find any job that would give you insurance right away and go from there.
<br />
<br />It is very hard to get private insurance unless you had it from birth...
<br />
<br />Can you get back on your dads insurance if you go back to school? Maybe you can enroll and take some classes, some states have laws that the child can be covered to age 25 if they are in school..
<br />
<br />If all else fails, don't withhold going to the doctor, every hospital that is not private has to have Charity care based care that you can apply for.
<br />
<br />Good luck

 

[soderick]

Christin,

I'm in your exact situation right now! Well, not exact, as I have until January to figure it out. One thing I did about 6 months ago was get myself declared a "disabled dependent," which means that as long as I'm not making a livable wage and am claimed as a dependent on my parents' tax return, I can keep their insurance. This will be useless soon enough because I need to earn a living.

I live in California, so we have GHPP (genetically handicapped persons program), and CF is one of the 5 diseases it covers. I applied once and was accepted, but since I was still filing as a dependent, I was expected to pay an exorbitant enrollment fee. Next year, I plan to declare as an independent, which will allow me to afford GHPP (I should have NO fee), but I will lose the "disabled dependent" status I mentioned above. I'm terrified of the transition period because not being covered for even one month would break me financially.

My CF clinic has special counselors that will advise you about insurance transitions. Maybe you could check with your center to see if they have someone knowledgeable.

Good luck! You have my thoughts and prayers in this terrifying transition!

 

[soderick]

Christin,

I'm in your exact situation right now! Well, not exact, as I have until January to figure it out. One thing I did about 6 months ago was get myself declared a "disabled dependent," which means that as long as I'm not making a livable wage and am claimed as a dependent on my parents' tax return, I can keep their insurance. This will be useless soon enough because I need to earn a living.

I live in California, so we have GHPP (genetically handicapped persons program), and CF is one of the 5 diseases it covers. I applied once and was accepted, but since I was still filing as a dependent, I was expected to pay an exorbitant enrollment fee. Next year, I plan to declare as an independent, which will allow me to afford GHPP (I should have NO fee), but I will lose the "disabled dependent" status I mentioned above. I'm terrified of the transition period because not being covered for even one month would break me financially.

My CF clinic has special counselors that will advise you about insurance transitions. Maybe you could check with your center to see if they have someone knowledgeable.

Good luck! You have my thoughts and prayers in this terrifying transition!

 

[soderick]

Christin,

I'm in your exact situation right now! Well, not exact, as I have until January to figure it out. One thing I did about 6 months ago was get myself declared a "disabled dependent," which means that as long as I'm not making a livable wage and am claimed as a dependent on my parents' tax return, I can keep their insurance. This will be useless soon enough because I need to earn a living.

I live in California, so we have GHPP (genetically handicapped persons program), and CF is one of the 5 diseases it covers. I applied once and was accepted, but since I was still filing as a dependent, I was expected to pay an exorbitant enrollment fee. Next year, I plan to declare as an independent, which will allow me to afford GHPP (I should have NO fee), but I will lose the "disabled dependent" status I mentioned above. I'm terrified of the transition period because not being covered for even one month would break me financially.

My CF clinic has special counselors that will advise you about insurance transitions. Maybe you could check with your center to see if they have someone knowledgeable.

Good luck! You have my thoughts and prayers in this terrifying transition!

 

[soderick]

Christin,

I'm in your exact situation right now! Well, not exact, as I have until January to figure it out. One thing I did about 6 months ago was get myself declared a "disabled dependent," which means that as long as I'm not making a livable wage and am claimed as a dependent on my parents' tax return, I can keep their insurance. This will be useless soon enough because I need to earn a living.

I live in California, so we have GHPP (genetically handicapped persons program), and CF is one of the 5 diseases it covers. I applied once and was accepted, but since I was still filing as a dependent, I was expected to pay an exorbitant enrollment fee. Next year, I plan to declare as an independent, which will allow me to afford GHPP (I should have NO fee), but I will lose the "disabled dependent" status I mentioned above. I'm terrified of the transition period because not being covered for even one month would break me financially.

My CF clinic has special counselors that will advise you about insurance transitions. Maybe you could check with your center to see if they have someone knowledgeable.

Good luck! You have my thoughts and prayers in this terrifying transition!

 

[soderick]

Christin,
<br />
<br />I'm in your exact situation right now! Well, not exact, as I have until January to figure it out. One thing I did about 6 months ago was get myself declared a "disabled dependent," which means that as long as I'm not making a livable wage and am claimed as a dependent on my parents' tax return, I can keep their insurance. This will be useless soon enough because I need to earn a living.
<br />
<br />I live in California, so we have GHPP (genetically handicapped persons program), and CF is one of the 5 diseases it covers. I applied once and was accepted, but since I was still filing as a dependent, I was expected to pay an exorbitant enrollment fee. Next year, I plan to declare as an independent, which will allow me to afford GHPP (I should have NO fee), but I will lose the "disabled dependent" status I mentioned above. I'm terrified of the transition period because not being covered for even one month would break me financially.
<br />
<br />My CF clinic has special counselors that will advise you about insurance transitions. Maybe you could check with your center to see if they have someone knowledgeable.
<br />
<br />Good luck! You have my thoughts and prayers in this terrifying transition!

 

[tommy]

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[tommy]

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[tommy]

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[tommy]

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[tommy]

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[Andi2007]

I want to say that Starbucks and Williams-Sonoma offer benefits to part time employees. Perhaps something to look into until you can find something full time?

 

[Andi2007]

I want to say that Starbucks and Williams-Sonoma offer benefits to part time employees. Perhaps something to look into until you can find something full time?

 

[Andi2007]

I want to say that Starbucks and Williams-Sonoma offer benefits to part time employees. Perhaps something to look into until you can find something full time?

 

[Andi2007]

I want to say that Starbucks and Williams-Sonoma offer benefits to part time employees. Perhaps something to look into until you can find something full time?

 

[Andi2007]

I want to say that Starbucks and Williams-Sonoma offer benefits to part time employees. Perhaps something to look into until you can find something full time?
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