"A_M" <[email hidden]> wrote in message
news:[email hidden]...
Quoted message said:Roger Zoul said:
??? The entire point of insurance is to take care of the unexpected.
You
must be from a country where insurance is provided by the state to
everyone.
Well I am in UK. Healthcare is almost free at the point of delivery.
Unless you have something pretty serious, then you "pay" in terms of
waiting, waiting, waiting...
Anyway back to the US case, I have some questions to ask: Say someone
with diabetes changed jobs. He used to work for an employer with health
insurance but now he works for an employer without health insurance.
The law requires any employer who has 15 employees or more to carry/offer
Health Insurance. So unless they go to work for a very small mom & pop
place, more then likely they'll have insurance through the new employer.
Quoted message said:Does it mean that he will have to start paying for his own health
insurance?
That's one way to get insurance. To bad, diabetes in the US is considered
almost uninsurable. In the diabetic newsgroup we often tell folks to get
life insurance and health insurance before they get an official diagnosis
otherwise
its almost impossible to find a company to carry you unless it costs you an
arm & leg. (no pun intended)
And how about his on-going medical prescriptions - will the
Quoted message said:old employer's insurer continue to pay for them because the conditions
were diagnosed while he was working for the old employer?
Most companies whether you are fired or quit have whats call COBRA.
Not sure what it stands for, but you can continue with the same health ins.
after you leave employment, but you now pay the premimums on it instead
of your employer. Most COBRA's cost $500 and upward. My husband
kept ours after he got a better job, but we had to wait 90days for new
insurance to be active. Our COBRA payments were $784 a month. That
was for three people and we still had a $500 deductible and our co-pays
applied as well.
Quoted message said:
If a person was diagnosed with diabetes at the age of 40, if he goes to
get health insurances when he's 45, will the insurer pay for the
diabetes associated medical treatments?
Only way most diabetics get insurance is to find gainful employment.
The law prohibits a group policy from excluding pre-existing conditions such
as diabetes from their policies. But if you lapse having insurance for
12mons or longer, you can be made to wait another 12mons before
insurance is active for you, but you still must continue paying monthyly
even though you aren't covered because of a pre-existing condition.
Quoted message said:
I am of the impression that the insurer of the employers may pay for
medical treatments that are associated with pre-existing conditions...
I have read it somewhere that in some cases a woman, who was already
diagnosed with PCOS at the time she started working for her current
employer, can get her fertility treatment paid for even though she
needed fertility treatment because of her PCOS.
Fertility treatment is considered "Optional" in the US. I've never seen
health coverage cover this. Unless there is another condition that needs
to be medically dealt with and a benefit is fertility treatment.
-(I'm assuming fertility treatment is help with getting pregnant?)
Same as no insurance policy will cover cosmetic plastic surgery. Only
in the past 5-10yrs have insurances began to cover reconstruction plastic
surgery for women who've had a mastecomy. Before you were on your
own.
Quoted message said:Quoted message said::> Such effects can be adjusted for if they have some information on
:> absence rates, medical expenses, that sort of thing, to identify the
:> healthy obese from the unhealthy obese...
My...
I think they call it identification problem...
