And what would be not considered pre-existing? Negative Igenex? Do they go by Clinical Diagnosis? And I'm talking about the better insurance companies that pay for things like Igenex testing...
I'm having to pay out of pocket, and I'm wondering whether it would be economical? to purchase a US plan until this treatment is complete or tapers off.
With best wishes to all,
canbravelyme.
Posted by Aniek (Member # 5374) on :
You don't know until you try. I know stories of insurance companies refusing to cover an adult male who had childhood asthma, even though he had no asthma symptoms for 20 years.
The big problem is that, even if you can get insurance on the indvidual market, it will probably deny coverage for any pre-existing condition. So, if you have any record of having Lyme, it would deny coverage for treating Lyme.
You need to basically read everything as careful as possible and remember the goal of the insurance company is to spend so little on you that you drop the coverage within 15 months.
Posted by Vanilla (Member # 11155) on :
I looked into this and found first you have to be refused insurance and then if you live in CA you can get insurance through a program after getting refused first and Blue Cross is the best for LD patients and it would have been about $700. a month and not covered everything and they could not even tell me just exactly what it would cover. It did not look cost effective for me to get it so I am just stuck paying everything out of pocket. Besides most LLMDs in the USA make you pay out of pocket and then you have to fight with the insurance companies tooth and nail to collect from them.
Try and get you meds for free at least if possible.
Posted by EWT1638 (Member # 11315) on :
How do you get your meds for free? Posted by Aniek (Member # 5374) on :
Depending on your income levels, you can get free or highly discounted meds from many of the drug companies.
This website will tell you what programs you are likely eligible for and allow you to print out the applications and send them in. You can also do it by phone.
Also depends on your state. In Ma you can't be denied for pre-exist.
Posted by canbravelyme (Member # 9785) on :
Wow, Foggy; that's fascinating.
Thanks, everyone. I'm going to look into this and see whether it's economical.
Best,
canbravelyme.
Posted by WildCondor (Member # 434) on :
How can something exist before it existed? It can't, so you don't have a pre-existing condition becaue there can't logically be such a thing.
Posted by runcyclexcski (Member # 10749) on :
this probably too late for this dicussion, but here is what I am wondering about.
Suppose I am 50 y.o. and I switch employers (happens all the time, right?) By the time I am 50 y.o. I will have developed SOMETHING - say, high blood pressure. Then, what, I am SOL. no coverage for medicine? The reality is, I am only 30 y.o., and my chances of switching employers are high.
Here is another thought. If insurance companies deny the existence of long-term Lyme disease, how can they consider it a preexisting condition, if, according to them, Lyme diease is over after 2 weeks of antibitics? Hello? Am I the only one seeing the paradox here?
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