Insurance update
Yeah, ok. It’s been utter hell. I’ve been turned down by several companies at this point. My last hope is a “Traditional Indemnity” policy with Independence Blue Cross, hereinafter known as “IBX”. This plan should accept proof of previous “creditable coverage” as they call it – under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) – and waive the pre-existing condition exclusion. If Blue Cross doesn’t accept me, I be X ‘d. The policy is going to cost over a week’s pay every month. If I were on SSDI I wouldn’t be able to afford it or my meds. IBX is my last commercial option. I’ll know next week whether I’m covered. If not, well, the Dept of Labor says I only have 63 days to get a plan under HIPAA . Time is running out. If not, I’ll have to take a couple of days off work walking around town trying to get into county public assistance. That won’t w...