Pacemaker Insurance

My fiance's boss has told him that the outlook for his current field with the company looks bleak, and has instead asked him to move together to another company in a different state.  The pay is supposed to be much better, but I would still probably have to find work also.  I am a teacher, but I am a high school teacher, which means that I am certified to teach a specific subject.  In my case, that is a world language, and while in my current state, almost all high schools offer this language, I may not be able to find a position teaching my subject area in the new state.  This means that I may have to rely on my fiance's health insurance coverage.  That's where the pacemaker comes in.  I am afraid that, by switching insurance carriers, my pacemaker routine checkups and, eventually, battery replacements will not be covered, especially with certain political efforts to repeal Obamacare, which so far has guaranteed coverage of pre-existing conditions.  Can anyone offer insight into the issue of insurance coverage and coverage of pacemaker costs?

5 Comments

Move to another state...

by donr - 2017-07-24 08:47:05


...is NOT a trivial issue for you.  At least three time zones & all of them water!

My prediction for you - THREE isssues WILL be included in any healthcare bill

Pre-existing conditions - that is pretty much a given & regardless of what any far right politician says has broad support.  Look for support for people in your condition - previously covered or having a long-term problem.  The main opposition to the pre-existing condition is against people who have been healthy, chose NOT to buy coverage, got sick & THEN ran to sign up.

Cross state line portability - Another issue w/ pretty decent support across political party lines.  Just like car insurance.  It can swim long distances.  Its time has come.

Family coverage till age 26 - The world has changed & this one will also survive the meat axe.  We would loved to have had this while #2 son was in college.  Would have saved us a bundle.  Lots of families have this situation.  Look for it to stay.  This wine has been tasted & is very addictive & passes the common sense test in  reality.

Donr

I agree with Don

by Grateful Heart - 2017-07-24 10:01:59

Pre-existing is here to stay as well as child coverage to age 26.  Too many people would be affected.  

Hopefully they will implement "Across State Lines".  It will create competition between the health insurance companies....benefitting the consumer and probably physicians as well.  What good is insurance if you can't afford to use it?  Then you have it in name only. 

Some patients are seeing their doctors less and less because they have to meet extremely high deductibles (some are $12,000 - $17,000 per year) BEFORE your insurance kicks in.....who can afford that?  So they make their medical decisions based on most crucial needs.

Right now, insurance companies are dropping out of Obamacare leaving many states with little to no insurance for those covered under OC anyway.  The drop- outs appear to be almost weekly. 

 Hopefully we will have some definitive answers soon.

Grateful Heart 

continuous coverage

by Tracey_E - 2017-07-24 15:22:45

I have a congenital condition so have dealt with this all my life, and have made employment decisions based on insurance options. It's a pain but I've managed to always have cardiac coverage. Even before Obamacare and its pre-existing rules, pre-existing conditions were covered as long as you have continuous coverage, and even without continuous coverage if you are on a group plan they usually can't single out individuals. For me sometimes this meant paying a couple of months of COBRA but it was well worth it when the new insurance kicked in because it meant there were no cardiac exclusions. 

Insurance

by TBrous&Chip - 2017-07-25 07:44:53

I agree with what Trace E wrote about continuing coverage with a pre-existing condition. We just have to know the rules and how to play the game.  Because we have a lifelong illness (that the pm helps) we have to educate ourselves in all aspects: how the pm functions, how different settings affect us and get to the proper settings, how to discuss problems with doctors and techs to get what we need and then, how to get what we need paid for through our insurance.

As insurance rules change we have to re-educate ourselves.

Insurance

by islandgirl - 2017-07-28 00:06:02

Tracy is correct.  If you have continuous insurance, you are protected with pre-existing conditions.  That includes the insurance mess that is being discussed now.  I lost my group insurance through a divorce a few years ago and have had to rely on private insurance.

I have been watching this carefully.

Use COBRA and don't risk the fiasco and worry for me and others that are self employed and do not have gorup health.  It will be expensive, but worth the stress.

You know you're wired when...

Your kids call you Cyborg.

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