Hey all,
I created this account because at this point it seems like there is no semblance of privacy anymore in my search for workplace insurance. I have had UC since 2012 and in 2021 had to go on marketplace insurance, Oscar – which I’ve paid $0 for! Great so far. Then I went into a bad flare that has lasted for a year and a half now. Long story short, beginning of 2022 all of my doctors stopped taking Oscar and I had to stop receiving my Entyvio infusions.
2 weeks ago, my beloved part time job offered me a full time position. I hoped all my problems would be solved by getting employer insurance. Turns out, my boss has been doing HRA (reimbursement) programs with the other employees, but wants to start a group plan. He has put me in charge of finding a good plan, even though I am not remotely versed in healthcare. I haven’t told him about my UC.
I’ve been reaching out to different health insurance agents to find a small business plan. The agents all ask for the medical history of the employees. When I tell them I have UC, they backtrack and say I have to be on a different plan. I just spoke to another agent on the phone who said that if I get on a workplace plan without telling the insurance company about my preexisting condition and then in a month or so start applying for eligibility for my infusions again, I’ll be in trouble.
Does anybody in this community have experience with this? Am I listening to the right people? All I want to do is get decent insurance, even if it doesn’t cover my Entyvio (I can apply for grants). But I don’t understand the legalities of companies asking about preexisting conditions. It seems like if I got a new job and the employer already offered insurance this wouldn’t be an issue, I could just get on the plan no matter what. Does anyone know of a UC healthcare/insurance advocate that could help me with this? My boss is expecting me to set up a new plan and I don’t know how to continue.
submitted by /u/stuckininsurancehell
[link] [comments]Hey all, I created this account because at this point it seems like there is no semblance of privacy anymore in my search for workplace insurance. I have had UC since 2012 and in 2021 had to go on marketplace insurance, Oscar – which I’ve paid $0 for! Great so far. Then I went into a bad flare that has lasted for a year and a half now. Long story short, beginning of 2022 all of my doctors stopped taking Oscar and I had to stop receiving my Entyvio infusions. 2 weeks ago, my beloved part time job offered me a full time position. I hoped all my problems would be solved by getting employer insurance. Turns out, my boss has been doing HRA (reimbursement) programs with the other employees, but wants to start a group plan. He has put me in charge of finding a good plan, even though I am not remotely versed in healthcare. I haven’t told him about my UC. I’ve been reaching out to different health insurance agents to find a small business plan. The agents all ask for the medical history of the employees. When I tell them I have UC, they backtrack and say I have to be on a different plan. I just spoke to another agent on the phone who said that if I get on a workplace plan without telling the insurance company about my preexisting condition and then in a month or so start applying for eligibility for my infusions again, I’ll be in trouble. Does anybody in this community have experience with this? Am I listening to the right people? All I want to do is get decent insurance, even if it doesn’t cover my Entyvio (I can apply for grants). But I don’t understand the legalities of companies asking about preexisting conditions. It seems like if I got a new job and the employer already offered insurance this wouldn’t be an issue, I could just get on the plan no matter what. Does anyone know of a UC healthcare/insurance advocate that could help me with this? My boss is expecting me to set up a new plan and I don’t know how to continue. submitted by /u/stuckininsurancehell [link] [comments]Read Morer/HealthInsurance