cec414

In Florida, which is terrible when it comes to insurance, so TN can't be much worse, I know people who have been able to sign on with BCBS with an individual policy, but with the agreement that any pre-existing medical conditions will not be covered. They had to speak to a supervisor. Also, you could incorporate yourself and your spouse, and you may be able to get group coverage(not sure how it works) but I know people who do that to be able to get the full coverage from BCBS, but then you'd be paying the premiums since you'd be the "employer" and you'd have to pay to incorporate yourself and you'd need another person on board.

You really need to look into what TN covers, usually states with high taxes have better medical benefits for people, but like here in FL where there is no state income tax, we are pretty much left to fend for ourselves if we don't have coverage through work.

Also, you are entitled to COBRA for 18 months after changing jobs, it is federally mandated no matter where you work or what you do after you leave your job, but you will be paying through the nose, but you get the EXACT same coverage as you did when you were working. You cannot be denied COBRA because of PCOS.

I am in the same boat as you since I had a pituitary tumor removed, I am black listed now for insurance, my doctor never put PCOS in my file, but the tumor is now an automatic rejection unless I come on board with it not being covered, so I am lucky in that I will be attending grad school for three years and will have some kind of coverage, but when I graduate I am thinking of moving to a state where they force insurers to cover people no matter what.

Good luck and look into your state's insurance policies, since we can only suggest things on here, it's really about what goes on in TN and with regards to "fighting" you might be able to convince someone to take you on without covering PCOS, but Orange is right that if you have crappy laws in TN, the insurance companies can be as exclusive as they want to be! When you are already covered through work, or covered by an individual policy, and you get sick, it is much easier to "fight" to get a service covered, but when you are applying to be covered, depending on the state laws, the insurance companies like to take on as little risk as possible, and chronic conditions are pretty risky for them, and it's not fair to the people who get them but that's the way it works in many states. Let us all know what you decide to do and maybe you can keep looking around for a job that will cover you or you can maybe negotiate with your would be new employer and ask if there is any chance of being covered by insurance or if you are promoted, you would be offered benefits. At my last job, I started out w/o benefits, and within a week, I had been promoted with full benefits. I would look into that as well, not only trying to negotiate with the insurance companies, try to negotiate with your job offer.

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