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Insurance

trustinJesus
Posts: 49
Joined: Oct 2011

After receiving treatment for over a year, my dad's  job let him go.  He is on Cobra, but that will only last a year and a half.  He attempted to get insurance and was refused.  This makes me sick.  My dad thinks that after 2014 insurance companies will not be able to refuse coverage based on pre-existing conditions.  Does anyone know the facts about this?  Worried about the future.

COBRA666's picture
COBRA666
Posts: 2418
Joined: May 2010

  First of all I thought it was a law stating a person could not be fired because of an existing illness. I am not sure if that is still a law or not with this great Obama care kicking in. A lot of people are finding all kinds of new things coming into existence now. Not going to get into that issue, but check on it. This may prevent a lot of heart ache trying to work your way thru this.  John 

cathyp's picture
cathyp
Posts: 366
Joined: Dec 2009

Back in 1995 I was laid off while on short term disability.  Our management staff went from 200 down to 12.  Eventually the entire plant closed and moved to another state.  So at that time, I can't see there would be a law that would have protected my job.  It doesn't make sense in my case.  I'm thinking if you can prove you were targeted because of your condition there would be a case.  If it was pure economics then I don't think you could go down that road.   Cathy

Rocquie's picture
Rocquie
Posts: 523
Joined: Mar 2013

I am so sorry your Dad has lost his job and thus his insurance. Thank goodness for COBRA. You don't give any time references here. Did he just loose his job and still has 1 1/2 years COBRA coverage? Or is he about to be without coverage?  I don't know the answers about upcoming changes in health care laws. Perhaps he can get some answers from the insurance specialist at his doctor's office? They are often great at finding sources of funding.

I pray your Dad's treatment goes uninterupted.

Rocquie

 

allmost60's picture
allmost60
Posts: 3175
Joined: Jul 2010

Hi,

 I'm so sorry about your dad losing his job. Come Jan 2014 we will all face some changes in our health care plans.Frown You might find some useful information at this web site. You will have to copy and paste to your browser. Best wishes to your dad...Sue  (FNHL-2-3a-6/10-age 62)  

patients.about.com/od/AffordableCareAct/a/Pre-Existing-Conditions

 

NANCYL1
Posts: 263
Joined: Jun 2012

 

 

Full list of Protections and Benefits Offered By ObamaCare (The Affordable Care Act) - 2014

Some of the biggest changes resulting from the health law take effect January 1, 2014, with the goal of making affordable health care available for all Americans, regardless of their medical history or ability to pay.

Most Americans will be required to have health insurance. As of January 1, 2014, Americans who can afford coverage will be required to purchase health insurance or pay a tax penalty.

No more pre-existing conditions denials. Starting in January 2014, insurers cannot deny coverage to anyone, regardless of pre-existing conditions. And they cannot charge you more because of your gender or more than they charge a healthy person your age. That means you can buy health insurance even if you are seriously ill.

Online insurance marketplaces. Read More About Obamacare Online Insurance Marketplaces

 

COBRA666's picture
COBRA666
Posts: 2418
Joined: May 2010

Sounds good Nancy...but there is one thing it fails to mention. COST !!!!  Of course if you are an illegal it will be free. You know the ones with the EBT cards and drive the luxery cars, have gas cards and free Obama phones.. All this is coming out as the new year gets here. People can sweep it under the rug, but the proof and expense is coming fast. And its all in the hands of the corrupt IRS. With all due respect someone can flag me if they want, but you can't flag the Health law on January 1st. God help us all.

NANCYL1
Posts: 263
Joined: Jun 2012
COBRA666's picture
COBRA666
Posts: 2418
Joined: May 2010

Nancy,

  I understand and we all hope that is true. Being around for a long time I have learned to read exactly what is written, then take it with a grain of salt or arsenic as the government would prefer if we are sick and costly. It's not what is said, it's what they did not say. Look for words such as should, ought too, might, may, can, possible and other words that could mean anything. Especially from a corrupt government. They are NOT going to do anything for us.  You can bet your last dollar on it. In reality we probably will spend our last dollar on it. This is not your father and mothers government any longer. Like it or not the people have allowed Socialism to take this country over. So many people on here have already faced some really tough times with insurance. Someone posted a while ago that their friend was even turned away. Do you think that will ever appear in a liberal newspaper? Of course the excuse was Bulls#*t. Just because a person is paranoid don't mean it ain't true you know. I have Lymphoma just like everyone else on this site and worry about my own future health as well. I have seen my copays rise and I have 2 insurances. This Failed Health care has not even kicked in yet. The insurance companies are just getting geared up. You notice it says premiums. Not a word was said about copays was it? If it was then I missed it. All I know is mine has gone up. The price of medicine will also rise sharply. The government has already said that. Of course they waited until the law was passed to announce it. John  

GKH
Posts: 326
Joined: Jul 2012

Yes the copays will grab you I think. It also does not say what illnesses and medications are covered. Some people are just assuming that the coverage will be very similar to what they have now. I have traveled and worked all over the world, including Canada and UK. Both those countries must give special approvals for drugs like Rituxan and have strict limits on the number and cost of procedures like bypass surgery that are performed each year. The approval is made by committee and is based on things like age, likelihood of recovery and some subjective criteria (political connections). I was shocked to hear that 40% of women diagnosed with breast cancer in the UK receive no treatment other than pain meds. Believe it or not, but its true that if you have cataracts they will cover surgery for only one eye per person and no one over 70 can have state paid cataract surgery.  Hopefully we will do a lot better here. I have my fingers crossed but to say the least am apprehensive.

GKH
Posts: 326
Joined: Jul 2012

Takes a lot more than that to offend me. Besides I like straight talk. Hang in there and be a winner.

NANCYL1
Posts: 263
Joined: Jun 2012

I am hoping for the best.

 

Nancy

trustinJesus
Posts: 49
Joined: Oct 2011

Thanks for the posts.  I didn't mean to set off a political debate.  I am still confused on what will happen, but I have absolutely NO FAITH in Obama care.  In my opinion my dad was solely let go because he was on disability for a year and half.  He is actually looking into suing his company.  His company told him he could apply for his job on the company website.  He was not given an oppurtunity.  Its kinda funny because my dad writes computer software (which made this company millions, maybe billions). His job was based on the software he wrote and nobody could possibly be better qualified.  They said he wasn't qualified.  Hello!!!! my dad wrote the software.  He's been a Engineer for over 35 years.  He's been with this company for at least 11 years.  He is now doing contract work the his old company's clients.  They tried to tell him that he couldn't do that either, but that is also illegal.

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