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or they will cancel my policy. can they do that. It is State Farm
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Is this going to hurt my ability to get insured elsewhere. I ... |
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SuperCobra | A question to those that are selling health insurance? |
I have to purchase these eye drops called Restasis, they are about 245 dollars for a monthly supply, i want to purchase a health insurance just to get those drops cheap health insurance maybe around 50 bucks, monthly? what the best plan for me, or do i have to get a higher plan? and i saw some deductables, if i were to buy priscription drugs, do i have to pay that high deductable first how does that work? deductables are like 2,000-5,000 dollars |
 |
 
ernesto_tig
 |
Let's see, your drops cost you $2940/year and you're looking for health insurance for $600/year. Hmmm...
If I think of a company that wants a piece of that, I'll let you know. |
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kmileameriplan
|
Ok, I can completely relate to your situation. I was a server and had no type of insurance. I was diagnosed with chronic tonsilitis. I went to the doctor maybe once a month and needed antibiotics all the time. Which got expensive. The state would not help me so I was on my own. I found this company that is not insurance but a discount program. So they accept all pre exsisting conditions.
You could do two options:
ONE the Prescription Advocacy Program for people that are paying for prescription drugs costing you more than $90 a month. For more details go to the site
http://www.mybenefitsplus.com/kmile
or
TWO
You can do the dental plus program which includes
Dental
Vision
Coast to Coast
Amerisight
Prescription
Medco Health
EZ Meds
Chiropractic
The prescription part saves you up to 50% on most generic prescription drugs and up to 25% on most brand-name prescription drugs. It's acceped at almost 50,000 retail pharmacy locations across the country, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens.
If you want more info on it you can go to
http://www.mybenefitsplus.com/kmile
I hope this helps! |
|
Christie
 |
Your eye condition is going to be considered pre-existing, so it won't be covered by any insurance that you purchase right now. For a period of time, charges for the eye condition won't be payable. Your best bet is to call around to some insurance companies, discuss your situation with them, and see what suggestions they have for you. |
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hightechchic
|
First, you won't get coverage for any pre-existing conditions for the first 12 - 24 months of coverage (unless you meet certain guidelines under HIPAA, which is doubtful given your description of the situation.)
It's impossible to recommend health insurance options without knowing your location because companies and plans vary widely by locale.
I can guarantee you, though, that you'll be hard-pressed to find a plan for $50/month, even with a high deductible. (And they're going to either charge you for the pre-existing condition from day one, while still not covering it for 12 - 24 months, or they're going to give you a condition-specific elimination rider.) The fact is, the insurance company also knows how much your prescription costs and they're going to collect enough premium from you to make it worthwhile to take you on as a client in spite of your built-in prescription cost.
This is why you really should shop for insurance BEFORE you find yourself with a pre-existing condition. But if you list a location, we might be able to point you in a direction, at least. |
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