Question:
- Hide quoted text — Show quoted text -On Wed, 31 Dec 2003 15:14:52 -0500, "Dave" <d…@zbzoom.net> wrote: >Does anybody know of any insurance companies offering health insurance to >people who have had kidney transplant? >I had a kidney transplant a while ago and I’m on Medicare and Medical >Assistance (Gateway Health Plan). However, I’ve been told that if I take a >job even a temp job I will loose my Medical Assistance which pays for >everything else Medicare doesn’t pay for and some things Medicare doesn’t >pay for at all. Has anybody had a kidney transplant and a full time job now? >I’m age 35 and I’ve had enough schooling and/or education to at least get an >office job. I’m also at a win or lose situation depending on how you look at >my situation. I’m actually receiving Medicare beyond the time that the "law" >allows some unknown reason. No one from Medicare has really told me why I’m >still receiving Medicare and I’ve also been told not to ask why. I’m also >receiving Social Security Disability Income, which as far as I know is >because I was labeled disabled due to kidney failure. Or am I getting it >because of the learning disability I once had though I don’t appear to have >if you were to meet me for the first time. Any help would be greatly >appreciated since I’m between a rock and a hard place. >Dave >d…@zbzoom.net
I can’t help you with the health insurance aspect of your question since I’m not aware of any insurance companies at this time that offer coverage to patients who have had a transplant. However, Medicare commonly pays disability benefits longer than they are supposed to with people that have had kidney transplants. Once they catch the error they make you reimburse them. Larry Reply to larrykz at charter dot net.
Response:
Dave, You may want to read this section of the SSA web site. It explains the extended benefits and this may be why you are still getting your Medicare benefits. http://www.ssa.gov/work/ResourcesToolkit/Health/qaextendcare.html I know in my situation I returned to work full time November of 2000 right after the extended benefits went into effect and because of this I qualify to receive my Medicare part A & B for 8 1/2 years after returning to work. I would highly suggest you contact your rehab office for your state and talk to them about your work situation. At some point Medicare will reevaluate you and if they feel you are able to go to work they will push the issue. It’s better if you take the first steps and work through rehab to either get yourself more training in a job field where you will be in more demand and more likely to find a better paying job and get health benefits with that new job. Good luck Celeste "Dave" <d…@zbzoom.net> wrote in message
news:3ff32e55$1_5@corp.newsgroups.com… – Hide quoted text — Show quoted text -> Does anybody know of any insurance companies offering health insurance to > people who have had kidney transplant? > I had a kidney transplant a while ago and I’m on Medicare and Medical > Assistance (Gateway Health Plan). However, I’ve been told that if I take a > job even a temp job I will loose my Medical Assistance which pays for > everything else Medicare doesn’t pay for and some things Medicare doesn’t > pay for at all. Has anybody had a kidney transplant and a full time job now? > I’m age 35 and I’ve had enough schooling and/or education to at least get an > office job. I’m also at a win or lose situation depending on how you look at > my situation. I’m actually receiving Medicare beyond the time that the "law" > allows some unknown reason. No one from Medicare has really told me why I’m > still receiving Medicare and I’ve also been told not to ask why. I’m also > receiving Social Security Disability Income, which as far as I know is > because I was labeled disabled due to kidney failure. Or am I getting it > because of the learning disability I once had though I don’t appear to have > if you were to meet me for the first time. Any help would be greatly > appreciated since I’m between a rock and a hard place. > Dave > d…@zbzoom.net > —–= Posted via Newsfeeds.Com, Uncensored Usenet News =—– > http://www.newsfeeds.com – The #1 Newsgroup Service in the World! > —–== Over 100,000 Newsgroups – 19 Different Servers! =—–
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Response:
Dave, I am a kidney transplant patient and it seems we are always between a rock and a hard place. Let me tell you about myself and it may help answer your question. I hope it does. I worked and dialyzed from 1980 to 1986 when I got my first transplant. At that time Medicare was primary, my employer was secondary and I never got a bill. Well, almost never. A number of employers, including my present one, have what they call a "carvout," which basically means they will not supplement Medicare. Technically what my employer does is pay the first 80 percent of my illness minus what anyone else pays. So technically they cover you, but you never see any money from them unless Medicare won’t pay something. When my transplant failed in 1995 Medicare was primary, but unlike my first transplant where my employer paid the remaining 20 percent, this time my employer had a "carveout," so I needed to find some insurance compant that would pay the remaining 20 percent. Luckily, New York state says an insurance company cannot turn you down for coverage as long as you were covered by some insurance company in the last 60 days. I called Mutual of Omaha which, because of NY state law had to insure me even though they will lose money on the deal. I presently pay Mutual of Omaha $3,100 a year for my medigap insurance. I received my second transplant in September of 2002. I kept Mutual of Omaha. I am work down by 24 years of kidney failure so Medicare gave me a permanent disability this year. I guess what I am saying is that you need to check to see whether your state requires an insurance company to give you coverage even though they are going to lose money on the deal. I think I lucked out because I live in New York, or otherwise I’d be forced to pay 20 percent of my bills. I’d go bankrupt immediately and wind up on Medicaid. I know your problem is complicated and I hope what I’ve gone through is of some use to you. Bernie – Hide quoted text — Show quoted text -Dave wrote: >Does anybody know of any insurance companies offering health insurance to >people who have had kidney transplant? >—–= Posted via Newsfeeds.Com, Uncensored Usenet News =—– >http://www.newsfeeds.com – The #1 Newsgroup Service in the World! >—–== Over 100,000 Newsgroups – 19 Different Servers! =—–
Response:
Does anybody know of any insurance companies offering health insurance to people who have had kidney transplant? I had a kidney transplant a while ago and I’m on Medicare and Medical Assistance (Gateway Health Plan). However, I’ve been told that if I take a job even a temp job I will loose my Medical Assistance which pays for everything else Medicare doesn’t pay for and some things Medicare doesn’t pay for at all. Has anybody had a kidney transplant and a full time job now? I’m age 35 and I’ve had enough schooling and/or education to at least get an office job. I’m also at a win or lose situation depending on how you look at my situation. I’m actually receiving Medicare beyond the time that the "law" allows some unknown reason. No one from Medicare has really told me why I’m still receiving Medicare and I’ve also been told not to ask why. I’m also receiving Social Security Disability Income, which as far as I know is because I was labeled disabled due to kidney failure. Or am I getting it because of the learning disability I once had though I don’t appear to have if you were to meet me for the first time. Any help would be greatly appreciated since I’m between a rock and a hard place. Dave d…@zbzoom.net —–= Posted via Newsfeeds.Com, Uncensored Usenet News =—– http://www.newsfeeds.com – The #1 Newsgroup Service in the World! —–== Over 100,000 Newsgroups – 19 Different Servers! =—–
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