Cobra Dread
September 9th, 2009
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Cobra Dread
Health Insurance coverage when moving out of state.?
I am planning on moving from Wisconsin to Laughlin, Neveda and need to find credible health insurance coverage before I can get picked up by a group plan through employment in my new location.
I'm currently covered under a group HSA through my employer but work for a small company under 10 people so I will not be covered under COBRA. I know that Wisconsin has state continuance insurance when you leave a job but it is not portable to another state. To make things more difficult I'm Type I Diabetic so I know getting individual coverage is near impossible.
There seems to be some kind of protection under HIPPA law, but I'm unable to find where to go to find a quote and assure coverage before I leave - I don't want to be caught with the dreaded 63+ days break in insurance coverage and find that I can't get myself covered again or have to wait for pre-existing clauses and not be able to cover my diabetes care.
Any direction of where to go next would be appreciated.
HIPPA laws state you are guaranteed coverage but the premium can be 3 to 4 times the "normal" premium. The only way to get it is to apply. You will need to contact an independent agent in Nevada. This person will know the companies that are available in your new state and will be able to assist you in getting on a plan.
You will need to contact your current carrier and get a "letter of credible coverage" which you will present to the new company. The new company will have to underwrite you so as to establish a proper premium so make sure you have all information regarding past doctor visits, such as what was done and name, address and phone number of current doctors. You should also get a copy of your medical records for the past three years to take to your new doctor in Nevada and also to give to the new insurance company.
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Health Insurance Reform: The Public Option(s) You Already Have
The U.S. Government has an annoyingly nasty habit of attaching broad, consumer-friendly titles to social programs and sweeping actions before they even exist.
“Public Option” is just another in a series of catch phrases that everyone is suddenly bombarded with in mainstream media, compliments of Capitol Hill. But go ahead. Try to pin it down for me. In one clear sentence.
Visit the White House web site and look for a single blurb of all the Public Option bells and whistles. If you can come up with a clear definition based on verifiable facts, let me know. I will quickly share it with the rest of us who are left scratching their heads.
Social Word Play
Tiny word play with big programs is Uncle Sam’s little verbal trial balloon; A social focus group that never ends. Remember how the battle against Saddam Hussein’s tyranny in Iraq became the all-encompassing “War on Terror”? Or, on the other side of the political aisle, how the medical term “abortion” was quickly aborted back in the 70s in favor of the more socially-acceptable phrase “Family Planning?”
The problem with this government game of societal Scrabble is that a small verbal nuance from D.C. quickly enters our public psyche. That’s when premature opinions are formed, mis- or half-truths are told and then we’re off to the races with a sensational media nugget that policymakers struggle to straighten out once all the facts are in.
For better or worse, the phrase “Public Option” will likely inspire feelings of hopefulness for the uninsured or feelings of dread and hopelessness for the insured and private insurance companies.
When Did We Lose Our Freedom to Choose?
Before the government got hold of it, the phrase “Public Option” wasn’t a commonly-used phrase at all. But the two words defined separately suggest some kind of alternative for the masses. Dictionary.com, Webster’s and Wikipedia agree with me on that. Even if I did paraphrase.
The point is we’ve always had public options --- especially in the context of healthcare coverage. Affordable options already exist.
While we’re treated to political spin about how affordable healthcare and employer-based group coverage would completely vaporize if the U.S. adopts one of perhaps 10-20 alternative healthcare delivery models in Congress now, it begs reminding that health insurance companies were built on providing individual health coverage at a price people can afford. They still do.
Today you can go online and get quotes from dozens of companies. You can comparison shop policies and even connect with a licensed agent who can answer your questions and help you sort through the fine print.
With individual and family coverage on your own, your employer isn’t dictating which of a few pre-picked plans you buy. Your policy, its benefits, its deductible and your coverage levels are all up to you (and your family, if you choose to include them in your policy).
You’d also be surprised to find that many of the individual health insurance plans available today cost about the same (or in my case, even less) and they cover more than what you may have through your employer or your COBRA plan.
Take Back Your Public Option
As the healthcare reform debate rolls on, we should remember that the U.S. Government may parse, redefine or play with words but we as individuals cannot lose sight of the fact that we always have options. Public, private and otherwise.
Our options aren’t going to change just because our legislative leaders can’t manage a “Double Word Score,” or clean up the tiles from their game of Scrabble on the Congressional floor.
About the Author
To most people, health insurance is a plastic card with numbers that lets you into the doctor’s office, and a little booklet of paper that lives in your filing cabinet, closet or some dusty corner of your home. To Michael, health insurance and the historical reforms that go along with the inequality of healthcare in America are topics of healthy discussion, worthy of further study and catalysts for education and action. Michael lives in Miami.
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