Question:
Any ideas on insurance companies that will take an individual post op patient?

I am a 1 year post op patient who has been under grad school insurance till this coming August. I am finding it difficult to find insurance companies who will take me. I will not be working this year (2 kids in kindergarten) and need my own insurance. Any ideas?    — Jeanie E. (posted on June 18, 2005)

June 18, 2005
I've encountered the same difficulty. Either they say no, or charge you an extremely outrageous premium. Some states have a health insurance pool. The monthly premium is usually more, but at least they cover you. I don't know where to ask, but I know a lot of states offer this. Good luck
   — RebeccaP

June 19, 2005
It will probably be expensive to get personal coverage. I'm assuming you don't have a partner who you can get health care through... as the previous poster said, you might have some luck with the state. A potential everything-else-failed would be to find a very very part-time job that would allow you to buy into their health insurance. Generally, health insurance through employment is cheaper and has a premium that is not dependent on health history. Best wishes, Sid
   — mrsidknee

June 19, 2005
I have the same problem at 2 years out. I'm in the process of applying for a state program. Here in CO it's called Cover Colorado. It's a program for people who aren't easily insurable for one reason or another. It's iron that Anthem paid for the surgery, but now won't insure me because of the surgery.
   — fowlerloriann

June 19, 2005
Check with the Department of Insurance in your state and ask them if they have a guarantee issue health insurance company and they should be able to direct you to a couple.
   — Patty H.