We've had a hard year. The last few months were the worst. It hasn't gotten any better this year. Here's the run-down:
August - moved to a new place away from river that had been running high for 3 months not the usual 3 weeks. - The mold and mildew from the extended running was killing my asthma. We were also expecting and needed a better house for that too. Husband also got offered a better job, great benefits. He started two days after moving leaving pregnant me to arrange the house, with 3 kids already running around.
September - found out via ultrasound our baby would not survive long after birth - if baby survived until birth. Husband was working full time and part-time jobs. We were on Mini-COBRA for this month.
October - Insurance from new company kicked in. Husband still working both jobs. I'm still dealing with house in upheaval, emotional issues and the fact that my body basically wanted me on bed rest. My mom starts coming in off and on for a week or two at a time to help out.
November - new job puts husband on probation because he's not productive enough. My mom still coming.
December - husband off probation. parents here to help. Husband takes time off for birth (and death). Then comes Christmas holidays. Then comes email from husband's supervisor. Sorry, you're still not doing well enough. Just a warning, they may let you go. Next day, he's gone. Nice enough to set last official day of work as January 4th so we have insurance through the end of January.
January - we have burial and memorial services (had to wait for me to heal up from c-section), husband starts up at hourly wage for his old company - he'd been doing part time with them the entire time. Spent most of the month trying to figure out what insurance was what and ending when. Started looking for self-pay insurance
February - apply. Then find out my health has too many points against it so I am uninsurable. Some things like asthma, allergies are controllable and very minor right now. But it still counts the same as major asthma. My allergies are to perfumes and mold, but it counts the same as if I had seasonal allergies or pollen and other allergies that would hit me harder. I have a history of kidney stones and seeing the doctors about kidney stones - but the recent doctor visits were more investigative to see where I stood with the stones and did I have more, etc. I am also very over weight.
So, I have to go on a state run high risk insurance that will cost more just for me than an entire family plan will for the rest of us.
I can't get a straight answer on what I can do to improve my chances. The only thing that will change is dropping my weight. The other things will still be in my history. Which means, even if my weight drops dramatically, I may still be denied on an individual plan if the other three are enough points to disqualify me. No one will tell me if this is true.
Has anyone ever worked in insurance? Can you tell me?
August - moved to a new place away from river that had been running high for 3 months not the usual 3 weeks. - The mold and mildew from the extended running was killing my asthma. We were also expecting and needed a better house for that too. Husband also got offered a better job, great benefits. He started two days after moving leaving pregnant me to arrange the house, with 3 kids already running around.
September - found out via ultrasound our baby would not survive long after birth - if baby survived until birth. Husband was working full time and part-time jobs. We were on Mini-COBRA for this month.
October - Insurance from new company kicked in. Husband still working both jobs. I'm still dealing with house in upheaval, emotional issues and the fact that my body basically wanted me on bed rest. My mom starts coming in off and on for a week or two at a time to help out.
November - new job puts husband on probation because he's not productive enough. My mom still coming.
December - husband off probation. parents here to help. Husband takes time off for birth (and death). Then comes Christmas holidays. Then comes email from husband's supervisor. Sorry, you're still not doing well enough. Just a warning, they may let you go. Next day, he's gone. Nice enough to set last official day of work as January 4th so we have insurance through the end of January.
January - we have burial and memorial services (had to wait for me to heal up from c-section), husband starts up at hourly wage for his old company - he'd been doing part time with them the entire time. Spent most of the month trying to figure out what insurance was what and ending when. Started looking for self-pay insurance
February - apply. Then find out my health has too many points against it so I am uninsurable. Some things like asthma, allergies are controllable and very minor right now. But it still counts the same as major asthma. My allergies are to perfumes and mold, but it counts the same as if I had seasonal allergies or pollen and other allergies that would hit me harder. I have a history of kidney stones and seeing the doctors about kidney stones - but the recent doctor visits were more investigative to see where I stood with the stones and did I have more, etc. I am also very over weight.
So, I have to go on a state run high risk insurance that will cost more just for me than an entire family plan will for the rest of us.
I can't get a straight answer on what I can do to improve my chances. The only thing that will change is dropping my weight. The other things will still be in my history. Which means, even if my weight drops dramatically, I may still be denied on an individual plan if the other three are enough points to disqualify me. No one will tell me if this is true.
Has anyone ever worked in insurance? Can you tell me?