Insurance question

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MissCurmudgeonly
MissCurmudgeonly Member Posts: 16
edited June 2014 in Young With Breast Cancer

So, even though I live in IL right now, I hate this state and am planning on moving.... at some point. Not sure when. Could be soon, could be in a couple of years. But what I wonder is this - I'm self-employed, so I pay for my own insurance with BCBS of IL. If/when I move to another state, is it like I'm starting from scratch and with a pre-existing condition, so my insurance (if I can get it) will be insanely expensive? I know some new stuff goes into effect with the new health care reform law, but I don't know if that just says that insurance companies now have to offer insurance to those with pre-existing conditions, but doesn't do anything about the cost of it?

 Anyone have any ideas? Thanks!

Tasha

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  • Melonda
    Melonda Member Posts: 309
    edited September 2011

    hmmm good question! I don't know because I've never relocated or had my own insurance like that. I have experience with COBRA and having to pay that until being able to get on a new insurance...why does it have to change just because you're moving? I mean I figure it would but when you're paying your own that sucks :(

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  • MissCurmudgeonly
    MissCurmudgeonly Member Posts: 16
    edited September 2011

    I know, and it worries me. SO fucking ridiculous that we have to worry about this shit on top of everything else! :-(

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  • HeatherLS
    HeatherLS Member Posts: 29
    edited September 2011

    Hmm....we just switched from Anthem Blue Cross (California) to BCBS of Texas but we live in California (its through DHs work). I wonder if you could continue BCBS of IL even if you moved to a different state? For us, same pre existing clause applies: as long as there was no lapse in coverage, they will cover me (doesnt matter that we changed from CA insurance to TX insurance).

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  • MissCurmudgeonly
    MissCurmudgeonly Member Posts: 16
    edited September 2011

    Heather, good points. I'd think though that BCBS of IL would only cover IL doctors? I'll have to look into that. And Ill look into the pre-existing thing too -I know that works for insurance through employes, but i don't know what if any rules apply when you're self-employed....

    T.

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  • AnimalLover
    AnimalLover Member Posts: 24
    edited September 2011

    I say call Kaiser and ask them rates and all that information.  I LOVE them.  800-245-3181, they also have a live chat if you don't want to talk :)

    I understand too that Kaiser was chosen as a Health Care Reform model.  Oh, yeah, and I LOVE my doctors.  

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  • MissCurmudgeonly
    MissCurmudgeonly Member Posts: 16
    edited September 2011

    Kaiser! Thanks Kiim - I was trying to remember the name of your hospital........

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  • Bany
    Bany Member Posts: 53
    edited September 2011

    Now if you have your insurance through your business, group of one, pre-existing doesn't apply!  Might be worth looking into this, vs, insurance as an individual.  When I moved to Colo from Maine, I could stick with BC/BC, but it at that time, it was riduclouslyy expensive.  If you stay with BC/BS , even in another state, pre-existing will not apply!  Hope this helps...  xo Bany

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  • Moderators
    Moderators Member Posts: 25,912
    edited September 2011

    MissCurmudgeonly, there's a forum here on BCO called Insurance and Other Financial Issues where you'll find others' questions and answers about this subject. Also, on the main Breastcancer.org site, the Paying for Your Care section has additional info that may help you.

    Judith and the Mods

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  • Anonymous
    Anonymous Member Posts: 1,376
    edited September 2011

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