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From: Warren Stringer (no email)
Date: Mon Sep 03 2001 - 22:27:30 EDT
----- Original Message -----
From: Paul Marcuzzo <>
To: 'Warren Stringer' <>; <>; 't o m
m e e ke r' <>
Cc: 'John Heinisch' <>;
<>
Sent: Monday, September 03, 2001 5:27 AM
Subject: RE: lv-ab: Health Insurance For Cruisers?
> Good day folks, I just went through this whole thing with COBRA and then
> finding insurance. The deal is if you have a pre-existing condition and
you
> use all 18 months of COBRA up they have to insure you. At what Price I am
> not sure. Right now we had to wait for the letter from the old provider
> saying we did have coverage for the whole time and sent that in with the
> application. Myself & my daughter each have a pre-existing condition and
we
> have to see what the final tab will be.
>
> The other option, which I should have done was be self employed for one
> year. It's a federal law (like above) that as a self employed business
> person they have to give you coverage.
>
> That's what I've learned the hard way over the last few months.
>
Paul -
Who has to insure you? The company of your choice, or some other? At what
level of coverage? Presumably your pre-existing condition will be excluded -
is there a "stop loss" provision for this? Maybe this depends on the
individual company. In my own case I figured the only option was to go back
into a group policy with a new employer. Your comments have given me hope
that there might be other options.
Warren
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