Alternatives in Health Care Insurance for Pre-existing Conditions

No job and running out of time on Cobra can make any healthy person cringe but when you have a medical condition that is not covered by most healthcare insurance companies, it can get downright scary.

Healthcare Insurance

What to do when time is running out on your existing health care coverage?

Although we are a few months away from running out of Cobra insurance, my husband is rightfully nervous about even coming close to that day. He has Cystic Fibrosis (CF) and is a double-lung (bilateral) transplant recipient. Ironically some insurance companies may cover his transplant medical needs but once they hear he has CF, they abruptly bring the phone conversation to an end.

It was through my need to calm my husband’s fears that I decided to take the proactive approach. He was beginning to become so distracted by the need for company-based health care coverage that it was interfering with his ability to focus on finding his next job. The more the fear built, the more frantic he became; forgetting that he is a licensed architect and beginning to consider taking jobs that would put his health at risk – just for the health insurance.

While scouring my online resources and calling all the healthcare companies I could think of, I happened upon a website for the Health Insurance Risk-Sharing Plan (HIRSP) of Wisconsin.

The mission of the HIRSP Authority is to provide access to high quality, affordable health care for all eligible Wisconsin residents.

HIRSP offers health insurance to Wisconsin residents who either are unable to find adequate health insurance coverage in the private market due to their medical conditions or who have lost their employer-sponsored group health insurance. Applicants are required to meet HIRSP eligibility criteria to qualify.

HIRSP covers major medical and prescription drug expenses, subject to pre-existing condition limitations.

I immediately called them and found that they would cover my husband easily. In order to be approved, he must use up all of his time on his current health care plan and provide three (3) letters of health care coverage denials. After that, he can be put on one of their tiered plans that will provide him with all the medical coverage he would need and the best part is that it is affordable.

Now, I know that you are thinking that the quality of health care will be sub-par. However, upon asking around I found a family member already is already on HIRSP. She explained to me that it is better than any other insurance plan she has ever had and because of her medical problems, she reaches the prescription deductible easily and everything is now covered at 100%. What a relief!

We are now armed with this information should we ever need to put it into use. Should you find yourself in a similar situation and live in Wisconsin, please check out HIRSP. If you live in another state, please contact your local government health care office and ask for the listing of high-risk health care plans in your area.

Image courtesy of Shutterstock.

After her husband received a double-lung (bilateral) transplant in 2004, Shannon founded the Angel Cove Organ Donation Awareness Shop, which provides awareness t-shirts and gifts products for transplant recipients, living organ donors and donor families - giving 100% of the profits to help heart and lung transplant recipients with medical costs. Shannon lives in Milwaukee, Wisconsin with her wonderful husband and two chocolate Labrador Retrievers.

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