Rheumatoid Arthritis Support Group
Rheumatoid arthritis is a chronic, inflammatory, multisystem, autoimmune disorder. It is a disabling and painful condition which can lead to substantial loss of mobility due to pain and joint destruction. The disease is also systemic in that it often also affects many extra-articular tissues throughout the body including the skin, blood vessels, heart, lungs, and...
I have been paying close to two grand a year for about 15+ years to maintain a Long Term Health Insurance Policy. That's over $30,000!!
I got the insurance while I was still working, knowing that I was facing being permently incapacitated by my RA.
I missed one payment. I pay my bills online from my bank account and somehow must have skipped the FINAL click to send the payment and I got a CANELLATION NOTICE!
I phoned immediately and after practically crying, the guy on the phone finally says they can send me REINSTATEMENT forms for me to complete and FAX back.
WELL...now, I have to tell them all my diagnosis and doctors and they get to decide whether to reinstate me or not!
It would be a great catastrophe to lose this coverage after paying in all these many years. More than the financial loss is th eloss of knowin g I had this safety net that would prevent me fom being a burden on my children (actually just my daughter cause my sons would do nothing to hekp).
What a wondfall for the insurnace company! I won't know for WEEKS!
Whatever good vibes you can send my way would be very appreciated.
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I've been on high dose prednisone for pneumonia, and now I am slowly weaning. But lots of symptoms I don't like having, plus overeating has put at least 10 lbs on me. The food is "loud" as the GLP-1 users refer to it.Also pressured speech. Which comes out in my posts. Sorry I posted so much. I just need an outlet for my agitated and irritable brain. Just scroll on by my posts, if they are too...
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I haven't been around in a long time. I am admin in a private group, and I would like to upgrade someone else to that position. I thought I knew how to do that, but the prompt has gone missing. Or is it not allowed to upgrade someone else to admin? I just find "ban and demote" under "Edit." I don't get notifications to DS anymore, but I wil come back in a few days to find out the answer. There...
When this type of insurance came on the market - what? 20 years or so ago? - I was a little skeptical and decided not to buy it. As the years rolled by some friends who were subscribers ultimately became disabled and decided to take advantage of the benefits. I've heard stories, pro and con, about the coverage and whether or not it was worth the premium.
http://www.cnbc.com/2015/01/28/
Second of all - ALL medication has side effects - biologics far less than others, but I have needed MTX from time to time along with it and may need it again ... Finally, I am ALREADY crippled and deformed and have had major organ (lung) involvement because of having the disease for 30 years before they came up with the biologics and I'm also much older now than when I first got the policy and have had other health issues in the interim...
reduction of fees? HARDLY! I'll be lucky to be reinstated and not loose all I paid in!
I am sending up prayers for you.
WarriorGal, I just hope they don't write you a new policy and base the current premiums on your age.
And people say American coverage is so much better! NOT!
So let us know what happens. I would also look into the legality of them cancelling for one missed payment. That doesn't sound right to me. But it is private. And people wonder why I favour Canadian health care! Wait, I already said that! LOL
Oh, sooooo not true. A friend of mine is an RN in Montreal and she tells me the stories of Canadians so frustrated at waiting 6 months or more for a very simple outpatient procedure. Then there are the Canadians coming into the US and paying cash for medical services. But that's a conversation for a different thread.