Single, unmarried CFers

S

Skye

New member
bittyhorse,
A lot of states have high risk pools. It is insurance coverage for the "uninsurable". PM me the state you live in and I will look it up for you if you are interested. Some states have guarantee issue insurance for small businesses. So, in my case, I started my own small company and qualified for insurance that way. Whatever you do, find a way to keep coverage if you have it now as you make a transition. Don't let it lapse for more than 63 days. We all love ya here, just lookin out for ya!
 
S

Skye

New member
bittyhorse,
A lot of states have high risk pools. It is insurance coverage for the "uninsurable". PM me the state you live in and I will look it up for you if you are interested. Some states have guarantee issue insurance for small businesses. So, in my case, I started my own small company and qualified for insurance that way. Whatever you do, find a way to keep coverage if you have it now as you make a transition. Don't let it lapse for more than 63 days. We all love ya here, just lookin out for ya!
 
S

Skye

New member
bittyhorse,
A lot of states have high risk pools. It is insurance coverage for the "uninsurable". PM me the state you live in and I will look it up for you if you are interested. Some states have guarantee issue insurance for small businesses. So, in my case, I started my own small company and qualified for insurance that way. Whatever you do, find a way to keep coverage if you have it now as you make a transition. Don't let it lapse for more than 63 days. We all love ya here, just lookin out for ya!
 
S

Skye

New member
bittyhorse,
A lot of states have high risk pools. It is insurance coverage for the "uninsurable". PM me the state you live in and I will look it up for you if you are interested. Some states have guarantee issue insurance for small businesses. So, in my case, I started my own small company and qualified for insurance that way. Whatever you do, find a way to keep coverage if you have it now as you make a transition. Don't let it lapse for more than 63 days. We all love ya here, just lookin out for ya!
 
S

Skye

New member
bittyhorse,
A lot of states have high risk pools. It is insurance coverage for the "uninsurable". PM me the state you live in and I will look it up for you if you are interested. Some states have guarantee issue insurance for small businesses. So, in my case, I started my own small company and qualified for insurance that way. Whatever you do, find a way to keep coverage if you have it now as you make a transition. Don't let it lapse for more than 63 days. We all love ya here, just lookin out for ya!
 
W

Wheezie

New member
Just an FYI:

CCS is a California State Program. After age 21, you would transition into GHPP - but again, these are both state programs, only available in California.

If you end up making very little money, you would qualify for medicaid Amy - but you do have to wait 2 years to get Medicare, and that's 2 years of being on full disability, as I understand it.

Sounds like Cobra is the best way to go in your case - but I'd also suggest looking into medicaid and any other state-run programs that might be out there. When are you quitting?? Or are you just reducing your hours?
 
W

Wheezie

New member
Just an FYI:

CCS is a California State Program. After age 21, you would transition into GHPP - but again, these are both state programs, only available in California.

If you end up making very little money, you would qualify for medicaid Amy - but you do have to wait 2 years to get Medicare, and that's 2 years of being on full disability, as I understand it.

Sounds like Cobra is the best way to go in your case - but I'd also suggest looking into medicaid and any other state-run programs that might be out there. When are you quitting?? Or are you just reducing your hours?
 
W

Wheezie

New member
Just an FYI:

CCS is a California State Program. After age 21, you would transition into GHPP - but again, these are both state programs, only available in California.

If you end up making very little money, you would qualify for medicaid Amy - but you do have to wait 2 years to get Medicare, and that's 2 years of being on full disability, as I understand it.

Sounds like Cobra is the best way to go in your case - but I'd also suggest looking into medicaid and any other state-run programs that might be out there. When are you quitting?? Or are you just reducing your hours?
 
W

Wheezie

New member
Just an FYI:

CCS is a California State Program. After age 21, you would transition into GHPP - but again, these are both state programs, only available in California.

If you end up making very little money, you would qualify for medicaid Amy - but you do have to wait 2 years to get Medicare, and that's 2 years of being on full disability, as I understand it.

Sounds like Cobra is the best way to go in your case - but I'd also suggest looking into medicaid and any other state-run programs that might be out there. When are you quitting?? Or are you just reducing your hours?
 
W

Wheezie

New member
Just an FYI:

CCS is a California State Program. After age 21, you would transition into GHPP - but again, these are both state programs, only available in California.

If you end up making very little money, you would qualify for medicaid Amy - but you do have to wait 2 years to get Medicare, and that's 2 years of being on full disability, as I understand it.

Sounds like Cobra is the best way to go in your case - but I'd also suggest looking into medicaid and any other state-run programs that might be out there. When are you quitting?? Or are you just reducing your hours?
 
B

bittyhorse23

New member
Thanks Skye. I live in Pennsylvania. I know I was looking into getting my own policy a few years back and I had to wait a full year to get anything CF related covered because it is a pre-existing condition. And when I called the places to talk to someone I kept getting moved around so I gave up. I definitely won't let it lapse though <img src="i/expressions/face-icon-small-smile.gif" border="0"> Good thing for COBRA

Rhi... I am not sure when I am reducing my hours but if this SOB doesn't go away it is going to be ALOT sooner than I had hoped. I was hoping to make it to next July when I leave for Europe <img src="i/expressions/face-icon-small-sad.gif" border="0"> But I am so exhausted all the time now I know I won't last that long full time.
 
B

bittyhorse23

New member
Thanks Skye. I live in Pennsylvania. I know I was looking into getting my own policy a few years back and I had to wait a full year to get anything CF related covered because it is a pre-existing condition. And when I called the places to talk to someone I kept getting moved around so I gave up. I definitely won't let it lapse though <img src="i/expressions/face-icon-small-smile.gif" border="0"> Good thing for COBRA

Rhi... I am not sure when I am reducing my hours but if this SOB doesn't go away it is going to be ALOT sooner than I had hoped. I was hoping to make it to next July when I leave for Europe <img src="i/expressions/face-icon-small-sad.gif" border="0"> But I am so exhausted all the time now I know I won't last that long full time.
 
B

bittyhorse23

New member
Thanks Skye. I live in Pennsylvania. I know I was looking into getting my own policy a few years back and I had to wait a full year to get anything CF related covered because it is a pre-existing condition. And when I called the places to talk to someone I kept getting moved around so I gave up. I definitely won't let it lapse though <img src="i/expressions/face-icon-small-smile.gif" border="0"> Good thing for COBRA

Rhi... I am not sure when I am reducing my hours but if this SOB doesn't go away it is going to be ALOT sooner than I had hoped. I was hoping to make it to next July when I leave for Europe <img src="i/expressions/face-icon-small-sad.gif" border="0"> But I am so exhausted all the time now I know I won't last that long full time.
 
B

bittyhorse23

New member
Thanks Skye. I live in Pennsylvania. I know I was looking into getting my own policy a few years back and I had to wait a full year to get anything CF related covered because it is a pre-existing condition. And when I called the places to talk to someone I kept getting moved around so I gave up. I definitely won't let it lapse though <img src="i/expressions/face-icon-small-smile.gif" border="0"> Good thing for COBRA

Rhi... I am not sure when I am reducing my hours but if this SOB doesn't go away it is going to be ALOT sooner than I had hoped. I was hoping to make it to next July when I leave for Europe <img src="i/expressions/face-icon-small-sad.gif" border="0"> But I am so exhausted all the time now I know I won't last that long full time.
 
B

bittyhorse23

New member
Thanks Skye. I live in Pennsylvania. I know I was looking into getting my own policy a few years back and I had to wait a full year to get anything CF related covered because it is a pre-existing condition. And when I called the places to talk to someone I kept getting moved around so I gave up. I definitely won't let it lapse though <img src="i/expressions/face-icon-small-smile.gif" border="0"> Good thing for COBRA

Rhi... I am not sure when I am reducing my hours but if this SOB doesn't go away it is going to be ALOT sooner than I had hoped. I was hoping to make it to next July when I leave for Europe <img src="i/expressions/face-icon-small-sad.gif" border="0"> But I am so exhausted all the time now I know I won't last that long full time.
 
S

Skye

New member
bittyhorse,
Unfortunately, I did not see any kind of high risk pool in PA. Cobra is a good option for a while. Do everything you can to keep it. Some insurances also have what is called "continuation coverage". That is basically the option to turn the plan you have into an individual plan. You might see if that may be an option for you. You might also call your local SSI office and see if you can get some questions answered. When I was in college, I was able to get Medicaid for a period of time and some assistance. At points in life, we all are in need of a little help<img src="i/expressions/face-icon-small-smile.gif" border="0"> Best of luck to you to feel better, put your health first!
 
S

Skye

New member
bittyhorse,
Unfortunately, I did not see any kind of high risk pool in PA. Cobra is a good option for a while. Do everything you can to keep it. Some insurances also have what is called "continuation coverage". That is basically the option to turn the plan you have into an individual plan. You might see if that may be an option for you. You might also call your local SSI office and see if you can get some questions answered. When I was in college, I was able to get Medicaid for a period of time and some assistance. At points in life, we all are in need of a little help<img src="i/expressions/face-icon-small-smile.gif" border="0"> Best of luck to you to feel better, put your health first!
 
S

Skye

New member
bittyhorse,
Unfortunately, I did not see any kind of high risk pool in PA. Cobra is a good option for a while. Do everything you can to keep it. Some insurances also have what is called "continuation coverage". That is basically the option to turn the plan you have into an individual plan. You might see if that may be an option for you. You might also call your local SSI office and see if you can get some questions answered. When I was in college, I was able to get Medicaid for a period of time and some assistance. At points in life, we all are in need of a little help<img src="i/expressions/face-icon-small-smile.gif" border="0"> Best of luck to you to feel better, put your health first!
 
S

Skye

New member
bittyhorse,
Unfortunately, I did not see any kind of high risk pool in PA. Cobra is a good option for a while. Do everything you can to keep it. Some insurances also have what is called "continuation coverage". That is basically the option to turn the plan you have into an individual plan. You might see if that may be an option for you. You might also call your local SSI office and see if you can get some questions answered. When I was in college, I was able to get Medicaid for a period of time and some assistance. At points in life, we all are in need of a little help<img src="i/expressions/face-icon-small-smile.gif" border="0"> Best of luck to you to feel better, put your health first!
 
S

Skye

New member
bittyhorse,
Unfortunately, I did not see any kind of high risk pool in PA. Cobra is a good option for a while. Do everything you can to keep it. Some insurances also have what is called "continuation coverage". That is basically the option to turn the plan you have into an individual plan. You might see if that may be an option for you. You might also call your local SSI office and see if you can get some questions answered. When I was in college, I was able to get Medicaid for a period of time and some assistance. At points in life, we all are in need of a little help<img src="i/expressions/face-icon-small-smile.gif" border="0"> Best of luck to you to feel better, put your health first!
 
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