My name is Barbara and I've worked in the insurance industry and hospital business office for over 25 yrs. I am now retired and the wife of oleblue (Dave) who is a CCM survivor. We have shared many stories, but this one really should be more in the for front. Medical condition can financially devastate a family or any individual with a chronic and live threatening condition.
Insurance Coverage and connecting your specialist with that specific insurance is important. So many factor including cost and coverage come into play.
Since pre-existing condition no longer apply, thank to the Affordable Healthcare Act, there is a government website to see if your state goes through a exchange or you must go through the government exchange.
There were some deadlines, but if you were insured and lost insurance this is called a "qualifying event".
Start with seeing if your state created a insurance exchange or if you have to apply directly. This is a simply process as to can do it all in one application.
Go to : https://www.healthcare.gov. Select your state if it does not give you a redirection to that state (ex: Oregon has their own exchange)so we go through Cover Oregon. If you don't get redirected like (Michigan) then you start your online application by clicking on "Apply Online with healthcare.gov site.
Make sure you apply to see if you qualify for financial assistance on your monthly premium.
Last match your physician and hospital with that plan that works for you. Be mindful to verify individual deductibles and out of pocket and pharmacy benefits. The lower the deductible the higher the premium, so it depends if you qualify for assistance on the premium as to what you can afford monthly.
I hope that we can start a link for all to inquire about their state insurance exchanges and provide assistance with a contact person to better assist one another.
I hope this helps. Feel free to add to this blog and ask any questions of all of us that may have more insight to getting insurance coverage.