UPDATE!! Tips to help u get insured!!!
TIPS to getting healthinsurance with a preexisting condition.....how to play the game and win!
Hi Everyone, I wanted to share what I have learned in the past year. I had many "insiders" /compassionate people that e-mailed my website to help me. Heres what I have found. As you know, I could never get health insurance on my own with my genetic immune defect. If you followed my story in the news,you understand how severe my health issues are.
TIP 1...Interesting, In California and MOST states,they have laws that any small business person can get health insurance without being denied for preexisting conditions. In California its any business with 2 or more persons, other states its just a business of 1 person. The law states that you only have to be a small business, not that the business makes any money ,turns a profit,or that it is a successful business. So.....This is all anyone needs to do to be insured ,no matter how sick you are. File a fictitious name statement saying your in business. It cost me $20 to file this form. I put my 27yo son on as my business partner. He then waived health insurance under "our" business because he already has it through his employer . I then applied for healthinsurance under my new business and was approved NO questions ask. I gave a copy of the fictitious name statement to them and filled out the application,that had NO medical history questions on it and was accepted under my new business... no questions ask.
The cost for my insurance now? $340 a mo. CHEAP!!! compared to what I was paying. Its an Hmo with no deductibles small business plan, the rates are WAY less as well. Anyone can do this!!! START a small business and they cant deny you. My business is making a little money now but you can Sell clothes on e-bay,or do whatever,make 2 pennies a year in your business,it doesnt matter. Here's the other neat thing,a self employed small business cant deduct 100% of the cost of insurance against any profit your business makes. So,say you say you make $500 a month, you can deduct every dime you pay for your health insurance against that on your taxes. Its a shame ,that we must play these games and that anyone can get insurance if they are really sick by simply filing a $20 piece of paper saying your a small business. You can list anyone as your business partner,a friend,family member,stranger and they cant deny you. In some states you don't even need a business partner....I know CRAZY but true.
TIP 2...Most insurance companies now allow adding a domestic partner to your policy. This does NOT need to be someone of the same sex. Unlike marriage with its legal piece of paper,domestic partnership is not legally binding. One Idea, Offer a room for rent in your home,offer it at a reduced rate to someone who has great health insurance and would agree to add you as a domestic partner. You will be following the "rules" of a domestic partner as well. They are ,you must live together and share exspenses. You will be doing that!
TIP 3... Marry a military man !! I had so many men want to marry me that were is the military..why?? because they get 10k more per year for being a married man. So basically they get paid to Marry you! Its costs them nothing to add you to there policy and they have some of the best benefits in the US.
Come on America,have compassion for others,share your wonderful healthinsurance with someone in need out of compassion. Its horrible that we live is the USA and must play these games to save our lifes . How many think the senate and congress should have to give up there sweet government healthinsurance plan to finally feel the pain we do?? when it doesnt directly effect you, its hard to care for others.
I will continue my fight , this is my lifes work . I will continue to help others play the health insurance game and WIN!!!!
Thanks for your continued support! Terri
Hi Everyone, I wanted to share what I have learned in the past year. I had many "insiders" /compassionate people that e-mailed my website to help me. Heres what I have found. As you know, I could never get health insurance on my own with my genetic immune defect. If you followed my story in the news,you understand how severe my health issues are.
TIP 1...Interesting, In California and MOST states,they have laws that any small business person can get health insurance without being denied for preexisting conditions. In California its any business with 2 or more persons, other states its just a business of 1 person. The law states that you only have to be a small business, not that the business makes any money ,turns a profit,or that it is a successful business. So.....This is all anyone needs to do to be insured ,no matter how sick you are. File a fictitious name statement saying your in business. It cost me $20 to file this form. I put my 27yo son on as my business partner. He then waived health insurance under "our" business because he already has it through his employer . I then applied for healthinsurance under my new business and was approved NO questions ask. I gave a copy of the fictitious name statement to them and filled out the application,that had NO medical history questions on it and was accepted under my new business... no questions ask.
The cost for my insurance now? $340 a mo. CHEAP!!! compared to what I was paying. Its an Hmo with no deductibles small business plan, the rates are WAY less as well. Anyone can do this!!! START a small business and they cant deny you. My business is making a little money now but you can Sell clothes on e-bay,or do whatever,make 2 pennies a year in your business,it doesnt matter. Here's the other neat thing,a self employed small business cant deduct 100% of the cost of insurance against any profit your business makes. So,say you say you make $500 a month, you can deduct every dime you pay for your health insurance against that on your taxes. Its a shame ,that we must play these games and that anyone can get insurance if they are really sick by simply filing a $20 piece of paper saying your a small business. You can list anyone as your business partner,a friend,family member,stranger and they cant deny you. In some states you don't even need a business partner....I know CRAZY but true.
TIP 2...Most insurance companies now allow adding a domestic partner to your policy. This does NOT need to be someone of the same sex. Unlike marriage with its legal piece of paper,domestic partnership is not legally binding. One Idea, Offer a room for rent in your home,offer it at a reduced rate to someone who has great health insurance and would agree to add you as a domestic partner. You will be following the "rules" of a domestic partner as well. They are ,you must live together and share exspenses. You will be doing that!
TIP 3... Marry a military man !! I had so many men want to marry me that were is the military..why?? because they get 10k more per year for being a married man. So basically they get paid to Marry you! Its costs them nothing to add you to there policy and they have some of the best benefits in the US.
Come on America,have compassion for others,share your wonderful healthinsurance with someone in need out of compassion. Its horrible that we live is the USA and must play these games to save our lifes . How many think the senate and congress should have to give up there sweet government healthinsurance plan to finally feel the pain we do?? when it doesnt directly effect you, its hard to care for others.
I will continue my fight , this is my lifes work . I will continue to help others play the health insurance game and WIN!!!!
Thanks for your continued support! Terri
Im a divorced mom of 2 17 and 26. I can,t get health insurance. I am a recovering addict ans alcoholic and have had rock solid sobriety for 9 years. Im on a medication called suboxone for treating opiate addiction i have paid out of pocket 9 years at 900.00 a month out of pocket for my medicines. This medication has saved my life. I cant go off it. Im out of money going month to month.. my family helps when they can. People say go off the medicine you dont need it. Thats like saying to a cancer patient. Take your chances stop chemo and see if you live? My life depends on my sobriety. Reasons for denial drug addiction to opiates. I fell like a burden on everyone. Im depressed and thoughtmy family might be better off if i was dead. I feel backed into a corner. My states high risk pool is capped out in montana. Are there any answers.?
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