InfantReflux.Org Forums: Switching plans?

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Lucky Lucy
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Fan

Joined: 03 May 2006
Location: United States
Online Status: Offline
Posts: 287

Topic: Switching plans?
Posted: 24 September 2006 at 3:13pm

Our plan is getting out of hand with the cost and we need to switch.

Does anyone know if you switch, the reflux meds are no longer covered? Are they a pre-existing condition?

If this is the case? how can anyone switch insurance plans?

Henry's meds alone with ins coverage are over $100/mth. I can't imagine what it would be without coverage!!!

Can anyone help me with this?

Amy-mom to Henry born 3/05. Med free:) probiotics 1xs/day
Lucy Marie born 8/23/06 Med free:), probiotics 1xs/day

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kattmc3
Junior Member

Joined: 23 April 2005
Location: United States
Online Status: Offline
Posts: 1063

Posted: 24 September 2006 at 4:24pm

I believe if your employment changes the plan then they would cover meds. However if you are paying for your own insurance I don't know if they would consider it a pre-existing condition. I can't think of who it is but someone on here works for blue cross blue shield and maybe they will respond.

Kathleen (37) Colton 3/18/05. Zegerid 28mg. daily, Neocate to Goodstart with rice cereal.

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Mom2Seth
Junior Member

Joined: 13 April 2005
Location: United States
Online Status: Offline
Posts: 1249

Posted: 24 September 2006 at 7:51pm

We will be switching insurance soon too due to dh changing jobs. I talked to their benefit person and she told me preexisting conditions would be covered as long as there were no lapses in between coverages.

Tiffany, Mark - Atlanta
Seth 12/24/04

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MommaDose
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Newbie

Joined: 01 August 2008
Online Status: Offline
Posts: 2

Posted: 27 August 2008 at 10:31am

I switched coverages and to my benefit the medications were actually cheaper. It's too bad there isn't a place where people explain insurance coverages and issues better. It can be very confusing.

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*Jessica*
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Joined: 31 May 2008
Location: United States
Online Status: Offline
Posts: 403

Posted: 27 August 2008 at 4:37pm

As long as there is NO lapse in coverage you should be fine.

Jessica SAHM to Deuce. Has many medical issues...LOL See Deuce's CaringBridge site for updates:
http://www.caringbridge.org/visit/jedd

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Insurance Issues
InfantReflux.Org Forums : Non-Reflux Information : Insurance Issues

Author	Message
Lucky Lucy Fan Joined: 03 May 2006 Location: United States Online Status: Offline Posts: 287	Topic: Switching plans? Posted: 24 September 2006 at 3:13pm
	Our plan is getting out of hand with the cost and we need to switch. Does anyone know if you switch, the reflux meds are no longer covered? Are they a pre-existing condition? If this is the case? how can anyone switch insurance plans? Henry's meds alone with ins coverage are over $100/mth. I can't imagine what it would be without coverage!!! Can anyone help me with this?
	Amy-mom to Henry born 3/05. Med free:) probiotics 1xs/day Lucy Marie born 8/23/06 Med free:), probiotics 1xs/day

	IP Logged

kattmc3 Junior Member Joined: 23 April 2005 Location: United States Online Status: Offline Posts: 1063	Posted: 24 September 2006 at 4:24pm
	I believe if your employment changes the plan then they would cover meds. However if you are paying for your own insurance I don't know if they would consider it a pre-existing condition. I can't think of who it is but someone on here works for blue cross blue shield and maybe they will respond.
	Kathleen (37) Colton 3/18/05. Zegerid 28mg. daily, Neocate to Goodstart with rice cereal.
	IP Logged

Mom2Seth Junior Member Joined: 13 April 2005 Location: United States Online Status: Offline Posts: 1249	Posted: 24 September 2006 at 7:51pm
	We will be switching insurance soon too due to dh changing jobs. I talked to their benefit person and she told me preexisting conditions would be covered as long as there were no lapses in between coverages.
	Tiffany, Mark - Atlanta Seth 12/24/04
	IP Logged

MommaDose Newbie Joined: 01 August 2008 Online Status: Offline Posts: 2	Posted: 27 August 2008 at 10:31am
	I switched coverages and to my benefit the medications were actually cheaper. It's too bad there isn't a place where people explain insurance coverages and issues better. It can be very confusing.
	IP Logged

Jessica Fan Joined: 31 May 2008 Location: United States Online Status: Offline Posts: 403	Posted: 27 August 2008 at 4:37pm
	As long as there is NO lapse in coverage you should be fine.
	Jessica SAHM to Deuce. Has many medical issues...LOL See Deuce's CaringBridge site for updates: http://www.caringbridge.org/visit/jedd
	IP Logged