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Wakum Mata!
Politcally Incorrect Musings
HealthSCARE coverage 
2nd-Dec-2005 10:44 am
southpark
I have been on the phone all morning trying to find health care coverage.

There is no individual coverage sold in the State of Arizona that will cover me with my pregnant wife. Pregnancy is considered a pre-existing condition in this state and I cannot obtain individual coverage. Period.

This information comes from numerous phone calls I made to The Arizona Department of Insurance and to several insurers. COBRA is my only realistic option for coverage at this point. The AZDI was the final word. This comes as a shock since I was planning on continuing coverage with my current carrier but on an individual basis. It turns out that the carrier I get through my work (headquartered in Virgina) and what is sold in Arizona are actually different companies. Never mind that they have the same name, trademark, doctors, etc.

Well... I, actually, do still have other options:
1) I can be self employed for three months and show proof that my income is derived from my self employment. Then I may apply for insurance under the Healthcare Group of Arizona. Pregnancy is not considered a preexisting condition in this state sponsored HMO plan.

2) Join the military. I am too old to join the regulars, but, I can sneak in by way of the National Guard. I have a degree so that is a shoo in to becoming an officer. My degree is in electrical engineering so that would probably earn me a signing bonus.


The COBRA prices for family coverage are:
Medical:$1401.48
Dental:$ 119.70
Vision:$ 34.86
TOTAL:$1556.04


That total is a monthly total, folks.

scribe_ari, I am so sorry. I tried everything on this. We are stuck with COBRA. No realistic way around until I find work, again. I am so sorry. I will be a total job whore. You know this. Anything for a buck at this point. Go apply for WIC.
Comments 
(Deleted comment)
2nd-Dec-2005 06:53 pm (UTC)
its looking that way...seriously. Ari, even though preggers is in really good health, you probably could go without for a few months...scary but I think you could manage.
2nd-Dec-2005 06:59 pm (UTC)
The problem with doing that is the loss of continuation of coverage.

If you do that it makes it DAMN NEAR IMPOSSIBLE to get coverage again.
2nd-Dec-2005 07:01 pm (UTC)
And with her pregnant, I am not willing to risk her or the baby's health. There may be some form of "free clinic" type coverage for her.
2nd-Dec-2005 07:14 pm (UTC)
yeah...that worked out really, really well for ysabet and her cancer treatments.
2nd-Dec-2005 06:58 pm (UTC)
Now that that is over, it is time to find term life insurance. I am leaning toward an offering from IEEE. There are no exceptions as to the reason they will not pay. All I have to be is dead. The policy doesn't care how.

Why are you you all looking at me like that?




I would NEVER do *that*. NEVER!
2nd-Dec-2005 07:25 pm (UTC)
I'm going to share this with my boss to see what she says. This is not supposed to be the case.
2nd-Dec-2005 09:03 pm (UTC)
Okay per our phone conversation...here is the stuff..

1. The legal statutes are for Group Health plans see A.R.S. 20-231, and for Individual Health Plans A.R.S 20-1379 (I have a recent educational program brochure with some very helpful information that I have highlighted and will be handing off to your wife tomorrow for you to hold on to)
2. Call Sylvia A. Intrieri (Office Manager) at Amercian Family Insurance here in Tucson. 520-325-2363 or email her at sintrier@amfam.com
3. In January have Ari go to DES to get the application process going for AHCCCS for herself and KidsCare for Linnet. You cannot apply until your income drops, it would be pointless. (When you go to file for unemployment it wouldn't hurt to talk to them about all of this crap. They are there to help you and have MANY contacts into these issues. If your rep doesn't seem to want to help you, get another one.)
4. If you do decide to pursue legal action about this remember to call me so that I can hook you up with AHC, Inc. They may not be the lawyers to help you, because they work with businesses not individuals, but I know they can get you contacts for the right lawyers if it's necessary.
2nd-Dec-2005 11:15 pm (UTC)
From Arizona State Legislature

20-2307. Eligibility; annual open enrollment period
A. Except as otherwise provided in this section or section 20-2308 or 20-2309, an accountable health plan may not exclude from coverage any employee or a spouse or a dependent child of the employee if the person meets the eligibility requirements established by the employer.


If I become re-employed, the health plan granted by the employer MUST accept my family except for the duration of minimum service to the employer (the trial period).

20-1379. Guaranteed availability of individual health insurance coverage; prior group coverage; definitions

A. Every health care insurer that offers individual health insurance coverage in the individual market in this state shall provide guaranteed availability of coverage to an eligible individual who desires to enroll in individual health insurance coverage and shall not:

1. Decline to offer that coverage to, or deny enrollment of, that individual.

2. Impose any preexisting condition exclusion for that coverage.


I wonder if that applies to family coverage or is it individuals only. At any rate, it looks as though I can get insurance for my wife.

(will copy this IMPORTANT info to another top post)
3rd-Dec-2005 07:49 pm (UTC) - Typo
I believe that should have been A.R.S 20-2310 and not 20-231.
7th-Dec-2005 08:11 pm (UTC) - Re: Typo
Probably, see the document I sent home with your wife this weekend.
2nd-Dec-2005 08:27 pm (UTC)
I can sympathise. I have way too many pre-existing conditions that are the almost the only reason I go to doctors.
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