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From: Paul Marcuzzo (no email)
Date: Tue Sep 04 2001 - 06:55:34 EDT
Hey folks, according to the Blue Cross/Shield guy I originally talked to, he
said they had to cover us. Now you can quit COBRA and exclude the
pre-existing condition. But with my daughters lazy eye (nerve didn't fully
develop) and with me recently diagnosed with Glaucoma I wanted us covered in
case sometime the down the road they have a good cure it will be covered.
I believe for $5000 deductible (FL Blue Cross/Blue Shield plan) it was just
a little over $500 a month. Now they haven't came back and said what it
will cost for our two additions. I have a monthly prescription of drops and
a quartly visit to get my pressure checked and my daughter gets her eyes
checked 6 to 8 weeks and her prescription adjusted in necessary, and patches
the good eye to strengthen the weak one. So it shouldn't be that great an
impact. Plus my wife and I are in our 40's in fairly good health and so are
my other daughters 12, 9, 5. So your rates may vary. I will post what the
riders are when we get the bill which should be any day now. As I recall
without digging everything out from my wife's file, I think we co-pay $20
for a doctor's visit, we get some off prescription drugs and major medical
is a million $ per person. We are fortunate that everyone is generally
pretty healthy and usually only go to the dr. for check ups.
Fair Winds !
Paul
Speranza - Lagoon 410
Punta Gorda, FL
to dock -
N 26° 53.471'
W 082° 03.515'
to Corona Locker -
N 26° 53.472'
W 082° 03.516'
-----Original Message-----
From:
[mailto:]On Behalf Of Warren
Stringer
Sent: Monday, September 03, 2001 10:28 PM
To: ; ; 't o m m e e ke r'
Cc: 'John Heinisch';
Subject: Re: lv-ab: Health Insurance For Cruisers?
----- 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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