Egg Survey Blog

Only days after my separation from a large chain restaurant the topic of health care came up between my wife and I. I reassured her that we would have affordable coverage through COBRA for a short while or at least until I found another job. But, not two weeks into my unemployment, I recieved the letter. We could continue coverage under the group plan, but it would be six times more expensive. No deal we thought. It must be cheaper to purchase a private plan on our own. So we shopped and shopped and shopped. Finaly we found a reasonable rate and decent plan. We spent time filling out the forms and making our down payment. We were given a coverage start date. When the date came around, we still had not recieved our cards, plan package, and all the other little things that come along. We called our supplier the day our coverage was to start. They then happily informed us that we were denied coverage because my mother, not me or my wife, but my mother has diabetes. She does not even use the same provider I explained. The reasoning was I was now pre-disposed to the condition. Since then, we have submitted a request for our deposit to be returned and have had no luck. We are told it is in process review. Six months now. On top of that, we tried to apply to other providers, but they cannot guarrenty our coverage, or give a definitive answer until we make a down payment. Now I am 37, my wife is, well we will just say younger than I. We are in good health, so thankfully we are not in dire straights. Fortunately, there may now be light at the end of the tunnel as a friend of ours has suggested where we might be able to but affordable health insurance. Let’s hope so!