My husband recently lost his job due to eliminating his position therefore we lost our health insurance. Cobra was offered but extremely expensive for two disabled people (I’m permanently disabled due to incurable diseases and my husband came down with an incurable disease).
My husband could not afford the high price of cobra for both of us. He called ehealth and signed us up for Blue Shield of California. We have had blue shield of California in the past through employers and we recently had blue cross blue shield of Michigan. However the representative at ehealth failed to explain that privately paid individual and family plans are treated differently then employer paid plans. We had already paid monthly premium of $708 (with no Premium discount or help from the government) for a PPO plan. we discovered that no doctors take this type of insurance. Basically this health insurance company doesn’t pay for any of my medical claims and refused to pay for my most expensive prescription for a autoimmune disease I was diagnosed with 16 or 17 years ago. I have been on this specific medication for 15+ years and there is no other medication approved or helpful for this condition. The insurance company states they don’t feel the medication is medically necessary, even after my doctor says it is. Who gave these insurance companies the right to play GOD and decided that I don’t need a particular medication, that has always been covered before. If I didn’t need the medication I wouldn’t get it but it is medically necessary for me and my condition. I now have been in excruciating pain for multiple days due to not being able to get my prescription which in turn will create more medical appointments to have 16 week treatment poured in my bladder with a catheter. Don’t ever purchased this health insurance and Obama care should be terminated. It’s a scam that says they will give you health care but the insurance companies just take premiums and deny all claims. Obamacare is worthless and should not be offered. This is not health care for all, government makes healthy people pay premiums for nothing and extremely sick people pay premiums and still not receive healthcare.