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What a boat, what a ride, what a fantastic week! I *will* go for another cruise
on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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"PocoLoco" wrote in message ... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan Good news......but rather bad news. Sorry to hear about the latter. |
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"PocoLoco" wrote in message ... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. |
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"NOYB" wrote in message ink.net... "PocoLoco" wrote in message ... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Indeed. |
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On Mon, 31 Oct 2005 01:44:37 GMT, Shortwave Sportfishing
wrote: On Sun, 30 Oct 2005 20:35:42 -0500, Harry Krause wrote: PocoLoco wrote: What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear of your familial problems, John. Hope your daughter has a successful outcome. As to your younger daughter's concern, it is very real. Some employers, future employers and insurance companies show an undue interest in the health of their employees or prospective employees. Your daughter should arrange to take the test anonymously, with absolutely no recording of her personal particulars. She'll pay for the test herself, of course, but no one need know of the results but the young woman. Why do I know about this? Let's just say I've spent more than 10 years as a consultant to companies offering health insurance, and while they did not discriminate, I saw case histories of competing insurers who did. Since them, more employers have gotten into the act of snooping into worker health records. Certain forms of discrimination on such a basis is illegal, but it still happens. I second Harry's advice. If she is that concerned, have it done anonymously paid for by her for herself only. Then again, why take the test? She could carry the gene and never have BC - what's it going to prove? Perhaps she needs to increase her awareness of changes and possibilities, but perhaps it's better not to know. Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. If one tests positive for the BRCA1 or BRCA2 gene, their chances of getting breast and/or ovarian cancer are many times higher than for those who test negative. One can then decide to have a prophylactic double mastectomy and hysterectomy, which greatly reduces the chances of either forms of cancer. -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote:
"PocoLoco" wrote in message .. . What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. Thanks. She is in a group plan under her husband's job. He works for a big defense contractor. I'm glad to hear they can't drop her. -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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On Sun, 30 Oct 2005 20:53:50 -0500, " *JimH*" wrote:
"NOYB" wrote in message link.net... "PocoLoco" wrote in message ... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Indeed. Again, thanks! -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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PocoLoco wrote: What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan Oh crap, John. Very sorry to hear about your daughter. (I had no idea you were a widower). In what state does your daughter reside? I would think each state insurance commissioner and statutes will vary just a bit on what her patient's rights are going to be. My sister-in-law, at age 56, has consumed a few million dollars worth of medical care (seriously) due to a heart condition. She has reached the "lifetime maximum" with a couple of companies- but just her good luck, each time she does the organization she works for changes hands and she gets a "fresh start". Odds are that her current insurance company cannot just dump her, but if she ever loses coverage due to firing, layoff, company bankruptcy, etc she might, in some cases, have some difficulty getting a private policy on her own. Several years ago we passed alaw in Washington that said people who lost group medical insurance had the right to buy private insurance (at a market rate) and could not be turned down for a pre-existing condition. Several insurance companies left the state as a result. (Good riddance). Best wishes for your daughters successful treatment and a full recovery. They are treating cancer far more effectively than ever before- but even so it's a rigorous and demanding course of treatment and it won't be easy for her. Tell your younger daughter to get an annual mammogram, (if she isn't doing so already), and to hope that some of the very latest news about a promising "vaccine" to prevent breast cancer might bear fruit. |
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"PocoLoco" wrote in message ... On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote: "PocoLoco" wrote in message . .. What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. Thanks. She is in a group plan under her husband's job. He works for a big defense contractor. I'm glad to hear they can't drop her. Nondiscrimination - A requirement that group health plans not discriminate against you based on your health status. Your coverage under a group health plan cannot be denied or restricted, nor can you be charged a higher premium, due to your health status. Group health plans can restrict your coverage based on other factors (such as part time employment) that are unrelated to health status. http://www.cobrahealth.com/insurancedefinitions.html |
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PocoLoco wrote:
snip.. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear that John. I hope she gets through this with a minimum of problems. We had our scare last summer when my wife went to a specialist who discovered polyps in the uterus. They got her in early, did the partial H deal and she's fine. That seems to be the trick...catching it early. Best of luck to her. |
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In article , PocoLoco415
@hotmail.com says... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear the news John. Cannot stand the thought of my kids sick. Hope the best for her quick and effective treatment. jps |
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"PocoLoco" wrote in message ... On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote: "PocoLoco" wrote in message . .. What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. Thanks. She is in a group plan under her husband's job. He works for a big defense contractor. I'm glad to hear they can't drop her. I would check into the insurance laws of the state she lives in. That will govern all the "what if's" -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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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 |
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thunder wrote: 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 But seeing how NOYB lives in Naples, and is the best at everything there ever way, he knows everything, so the federal government couldn't possibly be right. |
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"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. |
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"NOYB" wrote in message ink.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. From the link "Few Americans have health coverage from organizations that pick and choose whom to cover on the basis of health, using what is called medical underwriting. More than 160 million Americans receive coverage through an employer, whether their own, their spouse's or partner's, or that of another relative. Few large-scale employers ever selectively provided health coverage on the basis of an employee's medical condition; the federal Health Insurance Portability and Accountability Act of 1996 prohibited almost all employers but those in the smallest businesses from using such medical underwriting and from considering genetic risks as preexisting conditions. More than 80 million Americans are covered by federal or federal-state programs - notably, Medicare and Medicaid - that do not use medical underwriting. Very few of the more than 40 million Americans without health coverage lack it because of genetic discrimination; most simply do not qualify for governmental coverage and either cannot afford or choose not to pay for employer-provided or individually underwritten coverage. That leaves only about 10 to 15 million Americans who buy their own, individually underwritten coverage, along with perhaps an equal number with coverage from very small employers. Only the people in these two groups can be at risk for genetic discrimination by insurance companies. But the same health care financing system that limits the possibilities for genetic discrimination by insurers encourages such discrimination in employment. Employers have an incentive to reduce their future health insurance costs by not hiring or by firing people who have predictably high health care expenses, for genetic or other reasons. The law provides a second barrier against genetic discrimination. In the past decade or so, all but 3 states have adopted laws limiting genetic discrimination for some kinds of health insurance, and about 40 states have fairly strong rules against discrimination by small employers or companies that sell individual health insurance. More than 30 states ban or limit genetic discrimination in employment.5 The coverage, definitions, and enforcement mechanisms vary enormously from state to state; none of the relevant laws appear to have been defined or tested in any reported appellate-court decisions. In addition, the federal Americans with Disabilities Act, passed in 1990, may more broadly prohibit genetic discrimination in employment, depending on whether the genetic risk is considered a disability. Another federal law, the Employee Retirement Income Security Act, prohibits an employer from discriminating against current employees on the basis of their existing or projected health care expenses. Although the exact reach of these federal laws is unclear, they - along with state laws and the prospect of more stringent legislation in the future - have largely deterred insurers and employers from practicing such discrimination." |
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On Mon, 31 Oct 2005 02:54:03 GMT, "NOYB" wrote:
"PocoLoco" wrote in message .. . On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote: "PocoLoco" wrote in message ... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. Thanks. She is in a group plan under her husband's job. He works for a big defense contractor. I'm glad to hear they can't drop her. Nondiscrimination - A requirement that group health plans not discriminate against you based on your health status. Your coverage under a group health plan cannot be denied or restricted, nor can you be charged a higher premium, due to your health status. Group health plans can restrict your coverage based on other factors (such as part time employment) that are unrelated to health status. http://www.cobrahealth.com/insurancedefinitions.html Thanks again! That's some good info. -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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On Sun, 30 Oct 2005 23:12:37 -0500, "P. Fritz"
wrote: "PocoLoco" wrote in message .. . On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote: "PocoLoco" wrote in message . .. What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. I'm so sorry to hear that John. She is in our prayers. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? No. They can't drop her.. If she has group insurance, she can even switch to another group and can't be turned down. However, if she has individually medically underwritten insurance, she'll have a hard time switching insurance plans if she ever decided to switch later on. Thanks. She is in a group plan under her husband's job. He works for a big defense contractor. I'm glad to hear they can't drop her. I would check into the insurance laws of the state she lives in. That will govern all the "what if's" -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan That's the next thing on the 'to do' list. Thanks! -- John H "The trouble with our liberal friends is not that they're ignorant: It's just that they know so much that isn't so." Ronald Reagan |
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On Mon, 31 Oct 2005 03:01:51 GMT, Don White wrote:
PocoLoco wrote: snip.. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear that John. I hope she gets through this with a minimum of problems. We had our scare last summer when my wife went to a specialist who discovered polyps in the uterus. They got her in early, did the partial H deal and she's fine. That seems to be the trick...catching it early. Best of luck to her. Thanks Don. The malignant tumor is about 1.5 cm in diameter, so they think they've gotten it pretty early. -- John H. On the 'PocoLoco' out of Deale, MD |
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On Sun, 30 Oct 2005 19:22:07 -0800, jps wrote:
In article , PocoLoco415 says... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear the news John. Cannot stand the thought of my kids sick. Hope the best for her quick and effective treatment. jps Thanks. Yeah, sick kids are a bummer. Makes me wish I was an oncologist rather than one who can do nothing but give emotional support. -- John H. On the 'PocoLoco' out of Deale, MD |
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On Mon, 31 Oct 2005 00:19:54 -0500, thunder wrote:
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 Thanks for your time. That's a good site with some good info. -- John H. On the 'PocoLoco' out of Deale, MD |
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"PocoLoco" wrote in message ... On 31 Oct 2005 10:12:35 -0800, wrote: thunder wrote: 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 But seeing how NOYB lives in Naples, and is the best at everything there ever way, he knows everything, so the federal government couldn't possibly be right. STFU, Kevin. "there ever way"???? Should I "assimilate" that kevin has grasped basic english? -- John H. On the 'PocoLoco' out of Deale, MD |
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"NOYB" wrote in message ink.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. |
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"Harry Krause" wrote in message ... NOYB wrote: "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. A. I wouldn't bet on anything in perpetuity. B. Protected by COBRA? You mean paying COBRA rates? That's hardly protection, and it expires. Most is 10% over the employers price. To cover administrative costs. If the employer goes BK, then no COBRA. 18 months coverage. The you go on HIPPA. Price will give you a heart attack, and you will not need it for long. C. If there is a change in employment and a change in insurers, the new insurer will have access to medical records. But the Group plan will be at about the same rate as the rest of the company. D. The best protection remains a universal health payment card issued by the federal government. BS. The best is a plan that requires the providers to provide at the best rate to a cash paying customer. Also, give coverage at a high deductible to all at a decent rate. Universal health would be like MediCal in California. The people on MediCal go to the doctor for everything. Costs them nada. If you have a universal health plan, make the first 5 visits or so a year a $100 deductible. Stop the abuse of the medical system. |
The Disney Magic
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 |
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