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13 December 2007 @ 06:27 pm
The insurance journey continues  
I've been told now that most likely, every insurance company in the country will automatically deny me any individual coverage for having been diagnosed with juvenile rheumatoid arthritis. They make no distinction between JRA, and RA.

I did note to one woman that they're essentially condemning me to ultimate financial ruin, knowing that someday 10 or 20 years from now, something will inevitably happen to me in life, and without medical coverage, that's my fate, and it's all because my knees hurt for a couple of weeks every 3 to 5 years. She said basically that she realized that -- oh, and she has a TWELVE-PAGE list of all the conditions which result in automatic denial of coverage.

Our only hope now to cover me is to get group coverage. Since Tony and I are self-employed and we do have an LLC, we qualify as a group of two, and in Colorado, when you apply as a group, it is the law that they MUST cover you. Thank you, State of Colorado. That was not a bad idea!

The only issue of course, is that group coverage, because they can't deny anyone, is much more expensive than individual insurance. And we may need to do things that involve payroll and paying ourselves on a regular basis, which we don't do now. I have yet to talk to someone to give me specifics on that.

We're hoping to meet with an insurance broker soon, who can give us the details and find the best rates.

By the time this is all over, I just might be in favor of socialized medicine. or something like it. I have to admit, I didn't fully understand the issues involved before. So, point taken. Thanks to the universe for the life lesson.