I'm currently on Social Security Disability Insurance and that i have Cobra coverage of health. For those who have a lot more than $2,000, including a retirement account you aren't entitled to SSI or Social Security Income along with SSDI. Also, you aren't entitled to Medicare til you have been in SSDI for 2 years.
Extension on COBRA Coverage
I'd to obtain extra time on my small COBRA coverage because I had been still disabled and never yet entitled to Medicare. Recently my COBRA coverage increased from $237.00 monthly to just about $350.00. The next month it increased to shut to $400.00.
Looking to get Medical health insurance having a Pre-existing Condition
I attempted searching the web and was contacted with a guy from United Health advantages of America. He tell me he might get us a plan via a nonprofit organization called IAB. I possibly could obtain a prescription plan and dental coverage, visits to the doctor, hospitalization coverage for $270.00 monthly despite the fact that I'd a pre-existing condition.
Whether it Sounds to get affordable to be real, It's
After providing them with my credit card number, I had been sent a packet from IAB without any details about prescriptions and stated it wasn't medical health insurance, but instead any adverse health plan. This helped me suspicious. I called them and inquired about being covered for any pre-existing condition. They tell me I'd 't be covered until I had been on the arrange for 12 months. I inform them Charlie from United Benefits explained I'd be covered. Gurus for that telephone number for United Benefits. I had been given multiple numbers and all sorts of were disconnected. The packet I received stated I possibly could send it back within 10 days basically decided I did not want the policy. Next I acquired another pamphlet about dental coverage along with a bit of details about prescription coverage.
Write it well within 10 days
Used to do more research on the net and located all of the what are known as inexpensive medical health insurance plans.IAB was listed among them. I discovered the California HIPPA Law states there are no insurance providers which will cover a pre-existing condition for six to 12 months after being on the plan. Look out for the term plan. It isn't exactly the same thing like a medical insurance company. The prescription plan seemed to be not insurance, but a price reduction card. Should you browse the packets carefully, it was stated within the packet.
Look out for the term Plan
When the representative calls the organization an agenda which means, it isn't really medical care coverage. When the representative discusses an agenda A prescription plan, it's a discount card. When they would like you to pay for together with your credit card over the telephone without visiting a contract, do not do it. You ought to be capable of seeing the written plan before you decide to purchase anything.
Writing Your Letter
To begin with make sure to write back immediately, prior to the required 10 days are up,for any refund so they get the letter within the mail prior to the 10 days are up. Speak to your credit card company and inform them you have been scammed. Inside your letter inform them you had been given incorrect information with a representative whose telephone number has become disconnected. You don't want the policy and wish a complete refund. Inform them you've already made connection with your credit card company about these charges.
HIPPA Law and also the Insurance Commissioner
Inform them inside your letter that you simply never signed an agreement and when you do not get a refund you'll take further action. Inform them you discovered the HIPPA Law and when necessary you'll forward this letter towards the Insurance Commissioner. I'd a credit to my credit card within days along with a refund check within 2 days of writing the letter towards the prescription plan inside a day or two.
Once Pre-Enrollment Fee
Don't be seduced by this either. Used to do. During my letter Used to do suggest that I'd do not use whatever more charges on my small credit card. Since I never signed anything, there isn't any contract as mentioned inside your packet. I inform them I'd be watching my credit card statements. My credit card assured me they'd assist me basically wasn't fully refunded.
