I just spent almost 20 minutes on the phone with a nurse from Blue Cross Blue Shield of Illinois as she questioned every single statement I made on the health insurance application about previous medical treatments and conditions. I laughed when she mentioned the IBS. Yes, I have it. No, I am not planning on any treatments for it because IT'S NOT TREATABLE. You are a nurse, right??? UTIs? YES, I'VE HAD THEM. I'M FEMALE. IT'S PART OF BEING FEMALE. LET ME EXPLAIN FEMALE ANATOMY AND THE SHORTNESS OF THE URETHRA. NO, I DO NOT EXPECT TO HAVE MORE ANY TIME SOON, GIVEN THAT MY HUSBAND HAS JUST DIED. CONNECT THE DOTS - YOU'RE A NURSE, RIGHT? That was the version inside my head; the version she heard was similar, but not all in caps. I did end up in tears, though. Doesn't take much these days.
They really don't want to sell people insurance. But at least I know that, as of now, I'm still uninsured.
I hope they sell you the insurance nonetheless, but if they don't, I think a letter in writing denying you coverage on the basis of pre-existing conditions will be helpful to you if you need to try accessing the new Pre-existing Condition Insurance Plan six months down the road. http://www.hhs.gov/news/press/2010pres/07/20100701a.html
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