Hello, This is the first time I've posted on this forum. I mostly post on the migraine and New Daily Persistent Headache forum. I suffer from chronic facial pain in which I'm currently seeking treatment. My problem is.. I lost my job over a year ago when my FMLA expired and I picked up COBRA which is through Blue Cross of Michigan. It is expiring on September 3rd. I applied for major medical through United Health care and was turned down. (Blue Cross doesn't have anywhere near a decent policy so it wasn't worth it to even apply). I was told by independent insurance agents that due to my pre-existing condition I would probably not be able to get major medical insurance. Question: Have any of you gone through this? Have any of you been turned down by one major carrier only to be picked up by another? I'm just trying to decide it it's worth the hassle of filling out another application with like AETNA or Humana..etc.. (A little more about me.. I'm from Michigan. I receive social security disability but I make just over what is required for medicaid so I don't qualify for that and medicare doesn't kick in until you've been on disability for 24 months. That, for me wouldn't be until August, 2013. Thanks for your advice! Jill |
