Internetworkers: http://www.ibiblio.org/internetworkers/

[Lori Laubach <lorilral1 AT earthlink.net>]

Beth,
The amount you're quoting sounds like an individaul plan.  You might want to 
try other carriers like MAMSI for individual coverage.  Also, unless you have 
had no coverage for more than 63 days prior to the effective date of the plan 
BCBS is quoting, they must cover a pre-existing condition (also known as 
evidence of continuous coverage).  In North Carolina, they also must cover, 
with some waiting period exceptions, any treatment that is NOT related to the 
pre-existing upon commencement of coverage, even if you've had no continuous 
coverage.  I'm not aware of plans that have a 12-month moratorium on 
conditions not considered pre-existing.  Did a broker tell you this, or did 
you source the plan on your own?  Sounds really sketchy to me.
L3

-----Original Message-----
From: Beth <bethellison AT netscape.net>
Sent: Nov 12, 2003 4:24 PM
To: internetworkers AT lists.ibiblio.org
Subject: [internetworkers] BCBS BS

Oh this is unreal.

I was just informed by BCBS that, because I have back problems, health 
insurance through them will cost me $1,396 a month. 

Yes--a month.

Plus, I would have to wait 12 months for any coverage to take effect. While 
I'm still paying almost $1400 a month. No coverage for 1 year, for the low, 
low price of $16,800. Ironically, that's how much the back surgery I need 
costs. Looks like I'm paying for that crap out of pocket after all.

I am stunned. I would say that I'm speechless, but that's pretty much an 
impossibility.

Thanks a lot, BCBS. Thanks a lot for the zero health care reform, U.S. 
Government. Thanks for taking such good care of us all!

Beth

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