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I spoke at one of our local meetings.   I'm a diabetic.   My insurance tricked me into dropping my individual plan.   They told me that IF I dropped my individual and went with my employer offered plan that I could reinstate my individual plan even though I have a preexisting condition.   Cool beans, right?   Wrong.   After my job was over I called up BC/BS to have them swithc me back from employer provided to my (350$/mo for over 3 years, 2 of which it didn't cover my preexisting) individual plan.   They said I'd have to wait 2 years again (@350$ a month... so I'd be paying $8500 for no coverage, since the only reason I ever go to the doc or hospital is due to my diabetes).    I complained about them telling me they'd do it, so they had someone there replay the tape,   they also sent me a transcript.

Me: If I cancel my current individual plan and use my employer offered plan, does my preexisting condition status transfer so I'd receive full coverage?

BCBS: Yes, sir.

Me: So what happens if I lose my employer insurance, can I get my individual plan back even though I have a preexisting condition?

BCBS: Of course, just call us and we'll set it up for you.

Me: Allright, sounds good,   let me cancel that individual plan.

-----

So what did they say about this? Well notice the language we used in the last few lines. They say I didn't explicitly ask if the reinstated individual plan would COVER my preexisting, only if they'd ALLOW me to have insurance through them.   This of course is not what I meant (obvious by my first question's context).   So now, I cannot afford the individual plan AND pay full price for my doctors,   I cost 450$ a month in meds and testing equipment and about once every month or 2 I end up in the hospital because I pass out (happens while I sleep, because I can't 'feel' my sugar dropping, like I can when awake, not much I can do about it.)

Last week I had a seizure, I went to the hospital in an ambulance, had several tests run (CT, 12pt EKG) because I was comatose for a short while.   I now owe over $10,000,   put this on top of 2 months ago transport, D50, and 2 hour observation,   I owe the hospital over $18,000.   I had insurance, but they screwed me. I want reform, I want it now,   if you don't like it, I apologize.   Some of us are screwed due to things beyond our control and the greed of corporate insurance conglomerates. My life DOES depend on this. I won't die without it, but I cannot live, I'll be bankrupt and financially screwed for the remainder of my life.

<blockquote data-quote="r0beph" data-source="post: 104572" data-attributes="member: 355">I spoke at one of our local meetings.&nbsp;&nbsp; I&#039;m a diabetic.&nbsp;&nbsp; My insurance tricked me into dropping my individual plan.&nbsp;&nbsp; They told me that IF I dropped my individual and went with my employer offered plan that I could reinstate my individual plan even though I have a preexisting condition.&nbsp;&nbsp; Cool beans,&nbsp; right?&nbsp;&nbsp; Wrong.&nbsp;&nbsp; After my job was over I called up BC/BS to have them swithc me back from employer provided to my (350$/mo for over 3 years,&nbsp; 2 of which it didn&#039;t cover my preexisting)&nbsp; individual plan.&nbsp;&nbsp; They said I&#039;d have to wait 2 years again (@350$ a month... so I&#039;d be paying $8500 for no coverage,&nbsp; since the only reason I ever go to the doc or hospital is due to my diabetes).&nbsp; &nbsp;&nbsp; I complained about them telling me they&#039;d do it,&nbsp; so they had someone there replay the tape,&nbsp;&nbsp; they also sent me a transcript.&nbsp; Me:&nbsp; If I cancel my current individual plan and use my employer offered plan,&nbsp; does my preexisting condition status transfer so I&#039;d receive full coverage? BCBS:&nbsp; Yes, sir. Me:&nbsp; So what happens if I lose my employer insurance,&nbsp; can I get my individual plan back even though I have a preexisting condition? BCBS:&nbsp; Of course,&nbsp; just call us and we&#039;ll set it up for you.&nbsp;&nbsp; Me:&nbsp; Allright,&nbsp; sounds good,&nbsp;&nbsp; let me cancel that individual plan.&nbsp; -----So what did they say about this?&nbsp; &nbsp; Well notice the language we used in the last few lines.&nbsp; &nbsp; They say I didn&#039;t explicitly ask if the reinstated individual plan would COVER my preexisting,&nbsp; only if they&#039;d ALLOW me to have insurance through them.&nbsp;&nbsp; This of course is not what I meant (obvious by my first question&#039;s context).&nbsp;&nbsp; So now,&nbsp; I cannot afford the individual plan AND pay full price for my doctors,&nbsp;&nbsp; I cost 450$ a month in meds and testing equipment and about once every month or 2 I end up in the hospital because I pass out (happens while I sleep,&nbsp; because I can&#039;t &#039;feel&#039; my sugar dropping,&nbsp; like I can when awake,&nbsp; not much I can do about it.)&nbsp;&nbsp; Last week I had a seizure,&nbsp; I&nbsp; went to the hospital in an ambulance,&nbsp; had several tests run (CT, 12pt EKG)&nbsp; because I was comatose for a short while.&nbsp;&nbsp; I now owe over $10,000,&nbsp;&nbsp; put this on top of 2 months ago transport, D50, and 2 hour observation,&nbsp;&nbsp; I owe the hospital over $18,000.&nbsp;&nbsp; I had insurance,&nbsp; but they screwed me.&nbsp; I want reform,&nbsp; I want it now,&nbsp;&nbsp; if you don&#039;t like it,&nbsp; I apologize.&nbsp;&nbsp; Some of us are screwed due to things beyond our control and the greed of corporate insurance conglomerates.&nbsp; &nbsp; My life DOES depend on this.&nbsp; &nbsp; I won&#039;t die without it,&nbsp; but I cannot live,&nbsp; I&#039;ll be bankrupt and financially screwed for the remainder of my life.</blockquote>

[QUOTE="r0beph, post: 104572, member: 355"] I spoke at one of our local meetings. I'm a diabetic. My insurance tricked me into dropping my individual plan. They told me that IF I dropped my individual and went with my employer offered plan that I could reinstate my individual plan even though I have a preexisting condition. Cool beans, right? Wrong. After my job was over I called up BC/BS to have them swithc me back from employer provided to my (350$/mo for over 3 years, 2 of which it didn't cover my preexisting) individual plan. They said I'd have to wait 2 years again (@350$ a month... so I'd be paying $8500 for no coverage, since the only reason I ever go to the doc or hospital is due to my diabetes). I complained about them telling me they'd do it, so they had someone there replay the tape, they also sent me a transcript. Me: If I cancel my current individual plan and use my employer offered plan, does my preexisting condition status transfer so I'd receive full coverage? BCBS: Yes, sir. Me: So what happens if I lose my employer insurance, can I get my individual plan back even though I have a preexisting condition? BCBS: Of course, just call us and we'll set it up for you. Me: Allright, sounds good, let me cancel that individual plan. ----- So what did they say about this? Well notice the language we used in the last few lines. They say I didn't explicitly ask if the reinstated individual plan would COVER my preexisting, only if they'd ALLOW me to have insurance through them. This of course is not what I meant (obvious by my first question's context). So now, I cannot afford the individual plan AND pay full price for my doctors, I cost 450$ a month in meds and testing equipment and about once every month or 2 I end up in the hospital because I pass out (happens while I sleep, because I can't 'feel' my sugar dropping, like I can when awake, not much I can do about it.) Last week I had a seizure, I went to the hospital in an ambulance, had several tests run (CT, 12pt EKG) because I was comatose for a short while. I now owe over $10,000, put this on top of 2 months ago transport, D50, and 2 hour observation, I owe the hospital over $18,000. I had insurance, but they screwed me. I want reform, I want it now, if you don't like it, I apologize. Some of us are screwed due to things beyond our control and the greed of corporate insurance conglomerates. My life DOES depend on this. I won't die without it, but I cannot live, I'll be bankrupt and financially screwed for the remainder of my life. [/QUOTE]

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