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Wakum Mata!
Politcally Incorrect Musings
More Health Insurance 
7th-Nov-2005 09:41 am
These are the health insurance companies that I am looking at. They are the ones that are liscensed to do business in Arizona. The information was obtained from AZDOI.

American Family Mutual Ins. Co.
American Republic Ins. Co. - Medicare and senior services only
Blue Cross and Blue Shield of AZ
Celtic Insurance Company Wife's OB/GYN not an in-network provider, but so far is the most flexible and inexpensive I have found. May cover preexisting pregnancy and previous carrier's deductible can be carried over and applied (see comments!!!)
Cigna HealthCare of Arizona - will not cover preexisting pregnancy
Fidelity Security Life Insurance Co.
Golden Rule Insurance Co.
Health Net of Arizona, Inc.
Humana Insurance Co.
The MEGA Life and Health Insurance Co.
Mid-West National Life Insurnace Co. of TN
LifeWise Health Plan of AZ
PacifCare of Arizona, Inc.
Physicians Mutual Insurance Co.
United Security Life Insurance Co. of IL
World Insurance Company
7th-Nov-2005 05:05 pm (UTC)
We had Humana at one point, and they were ok. But we were forced to switch to United Health Care, and it was definitely a step up. The people at the transplant hospital tell me they're one of the best that they work with. Unfortunately, they're not on your list, and I bet it depends on the plan specifics.
7th-Nov-2005 05:23 pm (UTC)
Okay. I have found a couple of companies that offer "temporary" insurance. That means I can get coverage lasting from 30 to 180 days. There is also the possibility for Hospital/Medical/Surgical insurance. I'd be paying cash for the regular visits (I think that is tax deductible in AZ), but if anything nasty happened like slipping on ice and breaking a leg, that would be covered.
7th-Nov-2005 06:40 pm (UTC)
Once you are officially unemployed since your lady over to the WIC office, they will get her a state insurance referral, plus give you free milk, cheese and other foods for the children until you are working. If you cant find it call me and I will help you.

7th-Nov-2005 10:03 pm (UTC)
Already was gonna do that. I pay taxes just for that reason. Sometimes, I get to benefit from them.
7th-Nov-2005 09:19 pm (UTC)
Hey, just for reference (from someone who works in this industry)...it is illegal for pregnancy to be a pre-existing condition see the following website about the Health Insurance Portability and Accountability Act...However, I will highly recommend avoiding any insurance company that tries to say they won't cover something, when it's clearly against the law for them to do so.


This passage is of particular interest to you, dear...

1) Are there any situations in which exclusions are completely prohibited?
Under HIPAA's group market rules, there can be no pre-existing condition exclusion for pregnancy, no matter when pregnancy began and whether medical advice, diagnosis, care or treatment was recommended or received for the pregnancy. An exclusion cannot be applied to you even if your previous health plan did not cover pregnancy.
7th-Nov-2005 09:31 pm (UTC)
Ohhhh... thank you. Very interessssssting.

Perhaps they are misinterpreting "maternity". The phone call I made to the insurance carrier, the lady said that my wife would not be covered. I specifically said "pregnant" and not "maternity". Hmmmmm. Cigna may require another call.

However, I am not trying to get insurance under HIPAA. I am trying to get individual coverage. I want to take the COBRA money and get cheaper insurance. Does HIPAA still apply here?
7th-Nov-2005 09:50 pm (UTC)
Yes, HIPPA is not a type of insurance...it is a Federal Act that was passed through Congress to make stuff like pre-existing pregnancies illegal, as well as many, many other things. It's a huge Act that covers a variety of insurance issues.
7th-Nov-2005 09:32 pm (UTC) - Celtic Insurance
Celtic Insurance may be a bad thing!
The NAIC has some interesting data on insurance carriers.

Complaint Ratios for Year 2004 Score
National Median Complaint Ratio 1.00
Celtic Ins Co Complaint Ratio 2.51

(Total Complaints: 113)
Accident & Health
Individual 99
Group 10
Credit 0
Other 1
Accident Only 1
Disability Income 0
Health Only 70
Pre-existing Condition 2
Other 11

This does not paint a pretty picture of this carrier. They are O-U-T of the running.
7th-Nov-2005 10:05 pm (UTC) - Re: Celtic Insurance
Oh yeah. NAIC is at http://www.naic.org/cis/
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