First of all let me say HI to everyone at the forums! :-) I am new here, after spending hours of searching through google.
I wanted to share my story with you to see if anyone has experienced similar insurance problems and maybe someone can shine some light and help me.
I am 22 years old. I was on insurance with bluecross on my dad's policy, but got pregnant and since I was a full time student I had to switch to medicaid since my fiance had lost his job at the time. He started working again and I applied for BlueCross insurance in May of this year. I was on medicaid for 1 year prior to that, and on bluecross before that. Bluecross only wrote in their explanation that they had denied my insurance application because of my epilepsy since it has not been 5 years (i only had 2 occurences of seizures august 2002).
Now I am without insurance and need some help. I tried calling many insurance companies but they all are 2,500 or 5K deductible, with 60-40 or 80-$2,500 out of pocket and small prescription pays etc. which are still around $200/month. If I could get on some insurance policy and pay $200 I would do that, but the problem is are they going to deny my application as well? Am I going to have 12 month pre-exisiting condition apply and have to pay around $500/month for medications for 1 year? I live with my fiance and he works and that's why I don't have medicaid any longer. My fiance has insurance but since we are not married I can't get on his insurance. My fiance works so I can't be on medicaid right?
My real questions that trouble me are: Why did BlueCross deny my application? Should I try to keep calling them and hope to speak to someone who doesn't read their script in front of them and acually listens? Did they have the right to terminate my application even though I was never without insurance, and my seizure happened while I was on BlueCross? If that is all YES then is there any other insurance that I can get on?
Thank you all in advance!