Comments | fatshionista: 'Fat' friendly health insurance.

valkyriespector in fatshionista

'Fat' friendly health insurance.

Nov 21, 2010 00:16

My mother is going through a health issue (nothing to do with her weight, take that you selfish insurance companies) but has no insurance due to 'being too short and too round' is the way the insurance guy put it ( Read more... )

Comments 8

sheyeblaze November 21 2010, 06:02:49 UTC

The more difficult issue is going to be that this is new issue is now a pre-existing condition as well. Depending on your state, pre-existing conditions can be excluded from coverage for a very long time...

valkyriespector November 21 2010, 06:08:56 UTC

Well, this issue will be dealt with by the time she searches for insurance again, it's not something that will be ongoing.

sheyeblaze November 21 2010, 06:11:48 UTC

Ah, I see. I thought from your post that you were looking for coverage of this issue. What state are you in? The state effects what insurance companies might be available...

For example, WA State offers a special state-regulated set of insurance offerings for "high-risk" persons.

valkyriespector November 21 2010, 06:19:12 UTC

She's in Indiana.

She's been looking for awhile now.
My father has disability (both his shoulders are pretty much useless from an accident at work) and he's covered. I'm covered under my husbands insurance and my sister who is between jobs is covered by the local 'free' clinic. However they say my parents make too much (aka they aren't homeless yet) so that leaves mom looking.

pinsandbeetles November 21 2010, 06:56:20 UTC

At 63 she's got less than two years until Medicare kicks in. Would short-term insurance be an option?

ugly_jacket November 21 2010, 12:11:27 UTC

Try seeing if she can get enrolled in your state's "high risk" pool. It's expensive and there's probably a waiting period, and I think you have to have proof that she's been denied, but it can be an option until her medicare kicks in. But it would definitely be worth it if she needs bigger things like a CT scan, since the premium would probably be worth what she's being covered for.

k_is_for_kim November 21 2010, 15:16:50 UTC

I'd check with the local non-profit health care company. If your state has a Blue Cross/Blue Shield, start there.

squishybear November 23 2010, 15:19:11 UTC

With a pre-existing condition check around for a "guarantee issue" plan they don't have any pre-existing clauses, physicals etc.

http://www.indianahealthagents.com/guaranteed-issue-health-plans.html