I wish there was a way to get it through the head of INS companies that PCOS is very common
They no it's common. They're just looking for a way to save $$$. The problem is that untreated PCOS ends up costing EVERYONE more than the treatments do....
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Hey, SoulCysters! Need to eat more veggies, but can't find recipes??
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It is just ridiculous that so many of us are having this problem with insurance. Technically, I am probably healthier now that I was before I was diagnosed, because I know what I can and cant do now. I know to eat better and take my meds for IR. I have probably added years to my life by getting diagnosed.
But dont tell an insurance company that! All they see is medical claims and they are not interested.
I completely hate the deductible thing. You pay 400$ a month for insurance, and they still wont cover anything until you have paid an additional 2500 or 5000 out of pocket first????? I wish our government would start paying more attention to its citizens and prevent the "rape" of our pocket books by the big insurance companies.
I am shocked after reading these posts!! It seems like the good, tax-paying, working people get punished for wanting to do right!! I am so frustrated for you and wish you all the luck in the world finding good insurance.
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DH - 29
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Drama I agree SOME people on state aide do nothing and get everything. While others who have state aide work there butts off. Then because I can't get state aide like many others we risk not getting health care we needs.
There has to be a way to get INS to realize this is not that bad. few medications and then fertilty can be based on the regular plan
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"All our Hopes and Dreams, now carried on Butterfly wings..." (x 5)
Insurance is a crazy business. I'm in Australia and I recently had day surgery for a hysteroscopy and a D&C. I had to pay $200 as an insurance excess - I think in the US you would call that co-pay) so my theatre fees were covered, but the surgeons fees aren't, which means I had to pay $900 from my own pocket.
The govt has legislated that health insurance providers cannot cover surgeons fees. So if I need more surgery (and I do) I can't have it unless I can pay for it, or I can go on the public health care waiting list but that could take years. People die waiting for treatment.
Whew - I realized how snotty my post sounded - you never know how things will sound until you re-read them!!...I definitely didnt mean that everyone on state aid was "good for nothing!" and undeserving!! It is certainly there for a reason and helps those out who need it!!
Working in a school, all too often, I see those who dont "need it" abusing it - driving up in their nice cars with rims and great stereo systems!!! So I get a little cynical!!
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DH - 29
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Dragenfli-
It makes me sooooo angry to hear this. Despite all the problems other countries have had with Universal coverage, the fact that none have gone back to their old system means it has to be at least a little better! I am enraged to hear they denied you insurance.
At the moment I have group coverage through work. I have MAMSI. When I last saw my primary care doctor and said that I thought I had PCOS and wanted to start managing it (not ready for pregancy!) he recommended I look for a reproductive endocrinologist. It took me about a week to track one down and when I finally did it turns out that he works out of a fertility clinic and therefore I need authorization from MAMSI, even for an initial consult. I have made two appointments that I have had to cancel because my PC doctor's office says that MAMSI tells them that I don't need an authorization because I'm not having a procedure done, while the fertility clinic people say I do. So here I am... in limbo, trying to get through all this red tape. AFter reading your post, I realize I am lucky to at least have insurance, as beaurocratic as it may be.
I wish you the best of luck!!
Manuela
Self diagnosed: May 2007
Doctor's diagnosis: pending until insurance co. and doctor's office get their act together...
I should consider myself lucky. My husband works for a large company, we get insurance for 120/month for both of us. I work in healthcare, insurance companies don't care about helping you, they just want to make money. Its a business.
I fear one day not having insurance and having to pay what some of you pay! Its INSANE!
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NICKY(25)
Married 2 years
No kids
2 doggies
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Go to To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. for before/during photos of my weightloss!
I pay 410 dollars a month for my Blue Cross, and still pay 50 dollar copays on many of my prescriptions.
I applied for Blue Cross back in 2002 when I was 20 years old. I had no diagnoses then except for asthma, allergies and GERD. They still denied me. So I got on my college's crappy insurance plan until I got out of college and then Blue Cross had to take me because I'd been insured for at least the past year. At least that's what I was told. But I didn't even have PCOS (on paper, anyway!) and they still denied me.
My parents are self-employed and they've never had insurance. I grew up without insurance. The only reason I have it now is because I got it in college and figured it was cheaper to maintain it instead of letting it lapse. I have a private plan, but can't wait until I get a real job that offers benefits.
I actually work for BCBS, and I have never heard of them denying person coverage. But I have heard of them denying a person for a certain policy However you would should check to see what other plans they offer and you have to be under written for a policy and depending on what level they give you due to your health is what they base the premiums on. Then again I work for the Va office. Even thought they denied you for that insurance I am pretty sure that they have another plan for you to choose that might help you. You will have a pre existing waiting period which is a year. So if you have not spoken to someone already maybe you should call to see what other plan options you will be available for. Also if you do decide to try and get another type of policy through them and you are wanting to have a baby in the future double check about your maternity benefits. In Va unless you get the Maternity Rider, If you get pregnant the Insurance will not cover it. Sorry if your having a bad experience with the company.
The only reason I have it now is because I got it in college and figured it was cheaper to maintain it instead of letting it lapse.
ABSOLUTELY!
I always tell people when they're leaving a job to go on Cobra, even though it can be really expensive...just go on it, and find new insurance asap. But whatever you do, don't let your coverage lapse, or you're in an entirely new ball game when it comes to getting coverage.
I waited until the last nanosecond on my Cobra before thinking about new insurance, and rather than let it lapse for even a day, I took temporary coverage from BCBS, and then applied for full coverage. The temporary coverage ensured I had no lapse in coverage from the day my Cobra ran out...but it was down to the wire.
While high premiums seem 'high', especially if you don't go to the doctor often, it can all be worthwhile if 'something comes up.' When I saw the bills from my myomectomy I just about fainted. (and was SO glad I had insurance).
(side note: most of you didn't even know I was in the hospital for 4 days, and then had several weeks of recovery, did you?!?! Running SoulCysters, even from my sick bed, I was!)
Anyway, the bills from the surgery, hospital stay, etc, etc...more than exceeded all of my monthly premiums combined (and then some) for several years...
Has anyone tried United Healthcare? I used to be with them, and never had any problems...
Also (I don't know if this is an option for anyone), but if even a 'part time' job is in the cards, Starbuck's offers health insurance to all of it's employees, I think. That might be a way to get back on a policy, and then switch to another one with no lapse in coverage. (Don't quote me on any of that, however...)
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Hey, SoulCysters! Need to eat more veggies, but can't find recipes??
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AmberMarie-I need to have the maternity rider on my policy. There was only two available policy options that allowed the maternity rider, and I was denied for one of them. I would bet I would be denied for the other. I requested the maternity rider, so maybe that was the real reason. Maybe they saw I had a miscarriage this year with a D&C, and since they couldnt put denied due to miscarriage, they went with the next available thing. But, since other cysters have claimed they were also denied BCBS and Humana just because of PCOS, I am sure I wont be able to get through. At this point, I am so upset over it, I dont want BCBS anymore. I dont have cancer or heart disease or some expensive incurable disease, just PCOS (hopefully!). So if they dont want me, I am sure it is best for me to find a company who doesnt treat people with our condition that way.
I gotta tell you, has anyone here watched the movie called Sicko? After all this happened, I went and rented it. I was disgusted. I am so mad about my own situation, but I felt a thousand times madder when they showed people so much worse off that I am, people who need medicine to stay alive, and who are denied insurance or claims payments.
