This is a tough issue we also have to face! I have had to deal with this over the last two months. It is almost impossible to find independent insurance coverage with our conditions. I did find a loop whole......an expensive loop hole!
I was with my employer for seven years, left to go work for another company and was laid off before I even started! I was unable to go back to my previous employer; therefore, I was job less and had no insurance. I know we all understand that we HAVE to have insurance with all the doctors visits, medical tests and medications. I spent an entire day calling insurance companies looking for some form of coverage. I ended up at Blue Cross Blue Shield. They have a plan that is known as PORTABILITY COVERAGE. As long as you have had insurance for 18 months straight with no interuptions,they have to cover you. Now, they have to cover you but they can charge as much as they want.
I have a plan that has a $2000 deductible, ok medication co-pays and pretty good co-pays for docors viits. The bad part,it is $500 a month. I enrolled in the cheap plan :lol:
So, there is ways but you have to make sure you do not let a long period of time go by where you are not covered at all and the cheapest I have found is with an employer who pays for it regardless of pre-existing. Let me know if youhave any questions or would like me to send you a number you can call. Good luck! I know this is frustrating but hang in there, things always get better
Hereare afew things to look at:
(I know the last one is for Arizona but it gives you and idea)
As I grow to understand life less and less,
I learn to love it more and more.
Age 29, Lupus for last 7 years
Medications: Methotrexate, Lyrica, Celebrex, Flexeril, Theophylline, Bactrim, Xopenex, Lisinopril, Ultram