Hi Lora and forgive me if I missed something in your previous e-mails. Government Law states that anyone who has insurance through and employer cannot be denied coverage for any new medical condition or pre-existing condition unless the individual has had a lapse of coverage for over 90 days. Coverage can also be government assistance like Medicaid, Medicare and or County assistance etc. Example... I left a job after 10 years in 2001 and started working for a new employer. I was worried about the insurance company with the new employer trying to use the pre-existng condition so as not to provide benefits. Then I found out thatthey could not as long as there was no longer than a 90 day lapse in insurance coverage. I did keep Cobra during the 90 day period I had to wait for my new benefits because It was cheaper than paying the totoal cost of Gleevec. When the time came to enroll for my new insurance they tried to exclude my pre-existing condition until I told them that I knew what the law was and ofcourse they immediately gave me benefits. Since then we have changed insurance carriers about 4 times and I have had no problems what so ever with medical insurance. Other coverages such as life, Cancer , short term and long term have been difficult but eventually I was able to get them by either waiting the one year exclusion period or they just made a mistake and gave it to me? Likethe Cancer insurance for expamle... I actullay have that:) Lisa Martinez
next ??, for those who have insurance through their work.....are any of you able to receive PAP help from Novartis to pay the deductibles or cover the patient's part of the medicine cost??? Terry supposedly has health insurance now through his job...however, they aren't supposed to pay for anything that is a pre-existing condition.....hence no leukemia related stuff....anyway, we are curious.....we are so shocked that they will even insure Terry, so we don't want to rock boats....they even are supposedly allowing him $80,000 of life insurance too.....so, we will see once they realize he is already into catastrophic amount medically if they deny him insurance all together.....He is still driving a school bus, but will fail his annual physical in January , so then he may lose his job due to his health status ....so we are taking a wait & see attitude.....just wish all of this didn't happen around Christmas....we are really pinching pennies because of his job uncertainty. Merry Christmas!!!! at least we will have some snow flurries or ice to make it seem Christmas-sy!!! Lora ------------------------ Yahoo! Groups Sponsor --------------------~--> Does he tell you he loves you when he hits you? Abuse. Narrated by Halle Berry. http://us.click.yahoo.com/5PcOmD/rbOLAA/xGEGAA/8zSolB/TM --------------------------------------------------------------------~-> New! Sign up for local CML support group meetings in your local community at http://cml.meetup.com Apply for Commercial Real Estate loans online and submit your deal to dozens of hungry lenders in just minutes. Loan programs for all types of business and commercial real estate. Apply anytime at http://realestatezoo.com CML (Chronic Myelogenous Leukemia Support List) --------------------------------- Part Of CMLHope.Com An International Community Of CML Patients For more information: http://cmlhope.com Post Message: [email protected] Subscribe: [EMAIL PROTECTED] Unsubscribe: [EMAIL PROTECTED] Change To No Mail/Web: [EMAIL PROTECTED] Change To Digest: [EMAIL PROTECTED] Change To Email: [EMAIL PROTECTED] List Help: [EMAIL PROTECTED] CML Group Web Site http://groups.yahoo.com/group/CML Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/CML/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
