|Need Health Coverage that is affordable
Apr 10, 2007
I am 58 yrs old with pre-existing conditions (COPD)and here is the problem. My condition has been under control for years by mediation and taking care of myself. I am currently on COBRA and under HIPPA I have conversion options when my COBRA runs out. The conversion price is sky high with Medical Mutal. It is more three times plus the cost than what I am paying under COBRA. I knew the conversion would be higher however not this high. There is no way I can pay over $1,600 per mo. for the health coverage conversion. I am currently paying $355 per month for COBRA and you can see the huge price difference. Because of my pre-exiting condition --no other carrier wants to cover me. I have checked. What can I do? I will be not have health coverage after COBRA because it is priced at an amount that I really don't know who could afford it. It is clear that Medical Mutual doesn't want me. What can I do? The law has provided means for the poeple to retain heath coverage but who can afford this rate? It appears to go against the purpose of what the law intended.
| Response from Ms. Franzoi
Given your health status, I think your options for an individual policy are limited to applying for the conversion policy with Medical Mutual or a HIPAA policy with any insurer in your area that offers individual polcies. A HIPAA policy might be more cost effective than a conversion but it will probably be more expensive than COBRA, depending on plan design such as deductible, out-of-pocket maximums, etc.
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