On Tue, 01 Nov 2005 03:55:27 GMT, "Bill McKee"
wrote:


"NOYB" wrote in message
link.net...

"thunder" wrote in message
...
On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote:


Thanks for quoting Harry's response. It seems to lend credence to what
my
daughter has heard.

I just did a little search on this issue. Depending on the state, not
only might she have insurance problems, she might also have employment
problems. Not common, but still possible, depending on circumstances. I
would suggest Harry's idea about maintaining anonymity might be best.
There is federal legislation to address this, but . . .

http://content.nejm.org/cgi/content/full/353/9/865

Since John's daughter is already insured under a group policy, she can
never be rejected (or quoted a higher premium) by another group because
she is protected by COBRA.

She *could* have problems with medically underwritten individual plans
though.



She has a big problem if the husband has to leave a group plan to a
individual / family plan. If the group also offers individual, then you can
change plans, They can raise the rates for her, but they have to insure
her. If they do not offer an individual plan, then after COBRA she goes on
HIPPA. Lots of dollars for very little coverage. My wife is on Lipator,
and had been on for 2 months when COBRA ran out, so we in a $1700 / month
HIPPA, with 4k deductible and no office visits.


Thanks for the info, Bill.

--
John H.
On the 'PocoLoco' out of Deale, MD