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Venting: Health insurance
12-17-2009, 07:27 PM
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#1
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Never want to go back!
Join Date: Apr 2006
Posts: 2,808
S/C/G: 338.4/200.2/165
Height: 6 ft
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Venting: Health insurance
I quit my job in 2006 to open my own business. It was naive of me to think it wouldn't be hard for me to get health insurance... I was turned down because of my weight and because I had been treated for depression. The denial letter I got from the insurance company said to be reconsidered I needed to be under 235 pounds for at least 6 months. Well, I'm there now, so I called them to find out how it should be documented (Has to go in my medical charts). Fine.
So I asked the lady if she thought I would now be able to be insured once the 6 months had passed. She said that I needed to be symptom and treatment free from major depression for 5 YEARS before they would consider me. I'm on medication and see my doctor regularly for it, and don't see that changing as it keeps my depression in check. So much for treatment free.
I could just cry. I am never going to be able to get insurance!!!!!!! I guess I'll just have to wait for however long health care reform takes to force an insurance company to take me and pray I don't get sick or have an accident in the meantime.
Last edited by CLCSC145 : 12-17-2009 at 07:29 PM.
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12-17-2009, 08:41 PM
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#2
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Member
Join Date: Nov 2009
Posts: 90
S/C/G: 148/143/120
Height: 5'0"
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OMG that is HORRIBLE! That makes me so angry with insurance companies. You're supposed to avoid treatment for an illness in order to be able to get insurance? What kind of policy is that?! Ugh! I'm so sorry you have to deal with this. 
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12-17-2009, 10:57 PM
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#3
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Senior Member
Join Date: Apr 2008
Location: California
Posts: 7,098
S/C/G: 197/135/?
Height: 5'7"
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And people think our health care system is good enough.
__________________
 Started 4/14/08 LINK TO PROGRESS PICS 1/1/2009
"It is impossible to live pleasurably without living wisely, well, and justly, and it is impossible to live wisely, well, and justly without living pleasurably" Epicurus
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12-17-2009, 11:18 PM
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#4
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Never want to go back!
Join Date: Apr 2006
Posts: 2,808
S/C/G: 338.4/200.2/165
Height: 6 ft
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I'm feeling a little less hopeless now. I found a website for people having trouble finding insurance because of pre-existing conditions and they send your information to several insurance brokers to try to find something for you. We'll see what that turns up.
I'm willing to pay for insurance, that's what's so frustrating.
End of rant! 
Last edited by CLCSC145 : 12-17-2009 at 11:50 PM.
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12-17-2009, 11:23 PM
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#5
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Senior Member
Join Date: Dec 2009
Location: Oklahoma
Posts: 119
S/C/G: 236/224/180ish?
Height: 5'10"
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Quote:
Originally Posted by JulieJ08
And people think our health care system is good enough.
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Agreed. 
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12-17-2009, 11:37 PM
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#6
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I am a runner
Join Date: Jan 2009
Location: Eastern WA, USA
Posts: 2,075
Height: 5'11"
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The thing that kills me about the current proposed health care reform is that one of the answers is to REQUIRE people who have no insurance to purchase some. Hello?? The reason they don't have it is because they cannot AFFORD to purchase it, in many cases! How is requiring a poor person to buy something they can't afford, "reform"?
__________________
8/1/2010 -- Starting over at 40 pounds lost (15 pound gain from February 2010)
Short term goal: Onederland!
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12-17-2009, 11:49 PM
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#7
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Never want to go back!
Join Date: Apr 2006
Posts: 2,808
S/C/G: 338.4/200.2/165
Height: 6 ft
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Quote:
Originally Posted by CLCSC145
And I read today that as the health reform bill stands today, it would still allow insurance companies to deny coverage due to pre-existing conditions. That just boggles my mind. It's exactly where we are today.
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I need to correct what I wrote. This was something Howard Dean said, but I just read something else that said he didn't know what he was talking about and that pre-existing conditions denials would stop. Can't believe anyone, even me! 
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12-17-2009, 11:51 PM
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#8
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Never want to go back!
Join Date: Apr 2006
Posts: 2,808
S/C/G: 338.4/200.2/165
Height: 6 ft
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Quote:
Originally Posted by Windchime
The thing that kills me about the current proposed health care reform is that one of the answers is to REQUIRE people who have no insurance to purchase some. Hello?? The reason they don't have it is because they cannot AFFORD to purchase it, in many cases! How is requiring a poor person to buy something they can't afford, "reform"?
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Don't forget they will be penalized by the IRS if they don't buy it! I guess there would be hardship waivers, but I can't see them handing those out readily.
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12-23-2009, 03:35 PM
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#9
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Senior Member
Join Date: Jun 2000
Location: Yorktown, VA USA
Posts: 4,460
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You need to get in touch with your State Insurance inspectors office or whatever your state calls it. Insurance companies are out there that will insure you. Have you only tried one?
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Susan
HW 356 pounds - WWG 150 - CW 147 - PG 145
Life isn't about waiting for the storm to pass. It's about learning to dance in the rain.
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12-31-2009, 05:13 PM
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#10
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Soul Cyster
Join Date: Dec 2008
Location: Texas
Posts: 4,389
S/C/G: 235/seeticker/135
Height: 5'3"
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Don't get me started- hubby and I pay a buttload for insurance. I finally got on a medication that helps me with my condition and my current doctor took her SWEET *** TIME getting me the prescription due to insurance issues- and THEN to top it all off my company is changing insurance and though I was due for a refill last week I can't get it cuz my current insurance refuses to pay for it now since I'm changing insurance companies in January! I'm like really wtf- I still PAID for my insurance for up to December 31st!
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