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I think I was exposed to Lyme Disease - will I be able to get health insurance?
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Default I think I was exposed to Lyme Disease - will I be able to get health insurance? - 07-05-2010, 11:18 PM

I found a tick on me 2 weeks ago after hiking with my dogs. I have been watching the area and just tonight I noticed a red circle forming over top of the bite. I will head into the doctor's first thing in the morning and from everything I have read I should be OK since it is caught early.

However, I was laid off a few weeks ago and my insurance is up July 1. I am trying to get personal health insurance (rather than use Cobra) for various reasons. How badly will this affect the approval process for health insurance? I am otherwise pretty healthy - no smoking, lots of exercise, etc.

Will I still be able to get reasonable health insurance? If this throws a wrench into things, anyone know a personal health insurance provider in Michigan that will still accept me?

Help?!
   
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Default 07-07-2010, 11:18 PM

Are you sure you have Lymes disease? There are other symptoms like fever, headache, fatigue, and a characteristic skin rash called rhythm mi grans. Take at a look at these photos: http://images.search.yahoo.com/search/images?p=erythema+migrans&fr=fptb-sunm&toggle=1&cop=mss&ei=UTF-8

If you do have it, it should be cleared up by antibiotics. If you wait until it is cleared up, you should have no problem getting health insurance since if caught early and treated it is not a health risk. The risk is not having it treated early and the complications that can arise!
   
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Default 07-10-2010, 11:18 PM

Go on COBRA. You don't want to find out 3 months from now after it's too late for COBRA that your new insurance isn't going to be paying for the antibiotics that run about $500/month with Lymes.

And no, nobody else is going to accept you because they can't charge you $200/month and shell out that $500 and make a profit. No matter how you do that math it'll never work. Go on COBRA.

And, it takes MONTHS to get rid of it on the antibiotics. It's not like you'll be taking a Z-pack and it'll be gone.
   
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Default 07-12-2010, 11:18 PM

My husband and son both had Lyme's disease although neither had the characteristic 'bull's eye' rash (is that what you have?) that's associated with Lyme's disease. In both my husband's and son's cases, medication cleared it up quickly, and I hope that's true in your case, too. However, this isn't always the case. Some people don't recover well from it.

My advice to you:

Do as much as you can before your insurance expires and be sure to tell your doctor about your insurance dilemma--he might be able to rush your lab tests through or something. Chances are he'll start you on medication right away, rather than wait until test results come back--they did this with both my son and husband because it simply isn't wise to postpone treatment just because you're waiting for a lab report to come back. It's wiser to start the meds right away.

Perhaps they won't run a lab test at all. That happened in my husband's case; they didn't even bother to do the lab test because they didn't feel it would serve any purpose--after all, they were still going to put him on meds right away no matter what--the lab test results wouldn't alter the treatment any. Thus testing my husband for Lyme's disease would just be a waste of money. But this was 15 years ago--perhaps they handle things differently now.

...but I read in Time magazine about 3 months ago that those insurances that last 6 months between jobs are virtually worthless. The problem is with what they call "pre-existing conditions." Your new insurer won't pay for bills for a condition that existed before you signed on with them. I'm not sure if Time Magazine was referring to COBRA or not (although I fear it was) but read your COBRA contract carefully to find out if they will continue treating you as if you'd never left your former insurance company.

At any rate, ask your doctor his opinion--but I think the odds are on your side that you'll come out of this possible case of Lyme's disease just fine, just like my husband and son did with no ongoing problems.

Here's another thought: If you're fine for a long time after treatment and THEN come down with fibromyalgia-like problems or whatever years later--I don't see how the new insurance company could link your new symptoms with your former Lyme's disease.
   
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Default 07-13-2010, 11:18 PM

clear all doubts visit this website http://theinsurancegroup.blogspot.com
   
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Default 07-16-2010, 11:18 PM

Take a look at http://www.dulawat.com today, and find out what is creating such a buzz, this site will help you to decide thinking to invest in unit link insurance plan or pension plan
   
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Default 07-20-2010, 11:18 PM

Yep, you have a current issue.

I think you're going to need to take the COBRA - as no one is going to accept you, with a current issue.
   
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Default 07-23-2010, 11:18 PM

Using go ogle to find as much related info as you can,you could try using answer engines such as yahoo answer or Tedda.com to obtain some useful ideas.however,If you want some direct information,here http://www.healthinsurance-onlinetips.info/health-insurance-for-free.htm is a nice one from my experience.
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