Wondering

Nicholasville, KY

#1 Jan 25, 2013
Could someone help me understand something about healthcare. And the new laws? I have a private carrier, which is costing me a lot of money monthly. I went to try and get Aetna and was denied for pre existing. I have bcbs currently, but switching would save me tremendously. I may have to just not have any insurance because I cannot afford it any longer. I have mine privately. But anyway, I thought that once you have insurance, you can not be denied? And if a person cannot afford it, then what? I don't understand what the new healthcare laws are protecting??? They certainly aren't for my benefit. And also, before someone says get a medical card. I don't have children in my home so that's not an option. Really would like some TRUE information. And please refrain from crazy responses. I just need some direction on this matter. Thanks for your time!
hmmm

Morehead, KY

#2 Jan 25, 2013
well this might help or not...but anyway here goes...pre-existing they don't have to cover for the first year then after that they will cover. Or at least that is what most of them are like. But I didn't think they could deny you insurance. Plus did they ask you to prove that you have insurance currently? That has something to do with it as well
Concerned

Morehead, KY

#3 Jan 25, 2013
I thought the same thing about pre-existing. With the new laws, who knows. Nobody knows what is in them. Good Luck.
badd

Florence, SC

#4 Jan 25, 2013
Wondering wrote:
Could someone help me understand something about healthcare. And the new laws? I have a private carrier, which is costing me a lot of money monthly. I went to try and get Aetna and was denied for pre existing. I have bcbs currently, but switching would save me tremendously. I may have to just not have any insurance because I cannot afford it any longer. I have mine privately. But anyway, I thought that once you have insurance, you can not be denied? And if a person cannot afford it, then what? I don't understand what the new healthcare laws are protecting??? They certainly aren't for my benefit. And also, before someone says get a medical card. I don't have children in my home so that's not an option. Really would like some TRUE information. And please refrain from crazy responses. I just need some direction on this matter. Thanks for your time!
yup
Wondering

Greenup, KY

#5 Jan 26, 2013
hmmm wrote:
well this might help or not...but anyway here goes...pre-existing they don't have to cover for the first year then after that they will cover. Or at least that is what most of them are like. But I didn't think they could deny you insurance. Plus did they ask you to prove that you have insurance currently? That has something to do with it as well
No I wasn't asked to provide proof. But I did put it on the application. And was still denied. It's is all frustrating. And I don't know where to turn. You work all your life, and then when you need some answers or assistance it seems like a person that has worked all their life cannot get anything. Very depressing. And in order to get any answers, a person has to lose everything they have worked hard to pay for!
In awe

Wellington, TX

#6 Jan 29, 2013
You know I called and tried to get some health care through BCBS and was denied coverage. I even told them I currently have cobra and its BCBS. They said I had pre existing conditions that even though I have current coverage that they would not accept me as a customer for private insurance. Even though I have it now. All they said was sorry but you probably can't get coverage anywhere. What the heck? What is a person to do? No kids so I can't get medical card. Not old enough for Medicare. Not disabled! Where is the "healthcare reform" that's suppose to help me get coverage?????? I really really, really need assistance with this! I cannot afford $1000.00 each month for cobra ins/ via BCBS any longer.

Since: Jan 13

Location hidden

#7 Jan 30, 2013
Wondering wrote:
Could someone help me understand something about healthcare. And the new laws? I have a private carrier, which is costing me a lot of money monthly. I went to try and get Aetna and was denied for pre existing. I have bcbs currently, but switching would save me tremendously. I may have to just not have any insurance because I cannot afford it any longer. I have mine privately. But anyway, I thought that once you have insurance, you can not be denied? And if a person cannot afford it, then what? I don't understand what the new healthcare laws are protecting??? They certainly aren't for my benefit. And also, before someone says get a medical card. I don't have children in my home so that's not an option. Really would like some TRUE information. And please refrain from crazy responses. I just need some direction on this matter. Thanks for your time!
yes
Confused

Ashland, KY

#8 Jan 30, 2013
reader1985 wrote:
<quoted text>yes
Yes to what? I'm interested in this topic also. Would like to hear how others are dealing with getting a private insurance.

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