Thread: Too Fat for Health Insurance!?
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Old 09-18-2007, 02:32 AM   #3 (permalink)
luvbug00
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Originally Posted by fairy2323 View Post
I hate how impossible it seems to be to find individual insurance. Both my friend and I are about to lose our insurance and we need to each find individual plans.
Are you losing group health coverage? If so you can elect cobra coverage for up to 36 months. If you choose this option you will be responsible for the entire monthly premium (that your employer was paying), it can be very expensive.

What state do you live in? In Texas they have a "at risk" insurance carrier that will insure those who have been denied "standard" individual health coverage. This too is expensive, however, the rates are based on your age not your medical conditions.

Somethine to remember, when you insurance cancels you must obtain insurance within 63 days to avoid the pre-existing condition clause most insurance carrier have on their plans.

I recenlty lost my cobra coverage and applied for an individual plan that denied me. Because I can't afford to have an insurance lapse (I can't wait 1 year to have my many medical conditions covered) I chose to apply for another individual plan omitting the fact I have hypertension, diabetes type I, PCOS, Hepatic Hemangioma, Mitral Valve Prolapse, etc. I also decreased my weight by 70lbs. KEEP IN MIND, this is highly unethical, by choosing to do this I realized that I will never be able to use this insurance plan. It was only purchased to maintain coverage until I get a job and find a group plan. If you do this and then use your insurance they will cancel your coverage and make you pay back all the monies they spent on your care!! It is insurance fraud......Again, I am only using this to avoid a lapse in coverage. {please don't think less of me for making this difficult choice}

Good luck, when your calling carriers or searching on line see if you can find an at risk group that insures everyone. (p.s. I didn't go this route because I could not afford the monthly payment of $450.)

Take care,
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Last edited by luvbug00; 09-18-2007 at 06:38 PM.
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