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I Need Information on Personal Health Insurance

Posted on 08/25/2007 8:28:16 AM PDT by MSSC6644

I hope I'm putting this in the correct place. I need information. I was just terminated (love the use of that word) for what could be considered "gross misconduct" (I "hurt the feelings" and spoke "in a mean way" to my boss). I had been working at a church. Although I have not been notified, I do not believe I am eligible for COBRA because I was working at a church and because I was terminated for "gross misconduct."


TOPICS: Health/Medicine; Miscellaneous; Reference
KEYWORDS: healthinsurance; jobs; personalfinance; unemployed
I am 63 and diabetic. My prescription bills are very high. I need health insurance. Can anyone help me figure out how to get it?

Also, I need a job. I believe I'd probably be better off trying to work from home. I am the primary care-giver for my 96-year-old father.

I have excellent skills. My primary difficulty seems to be that I can't keep my thoughts to myself. I am offended when my advice is asked for and then either dismissed or, at the very least, ignored. I admit, I am not ordinary. I have very high, some might say extraordinarily high, standards of performance -- especially for myself. I am conscientious to a fault. I worry a lot; but I produce great results, particularly when I am allowed to be part of determining the goal and setting the protocol.

I create beautiful publications that are well written. I can do data entry fairly quickly and accurately. My organizational and analytical skills are superb. I have a track record of increasing membership in organizations, of leading a team of teachers to a better understanding of goals and a concept of working together. I know how and where to find people to get the job done. I am an excellent judge of character (my sensibility to the true nature of others almost frightens me). I have been blessed with an abundance of creativity and vision.

Any ideas, comments or help would be appreciated. I'm kind of at a low point, and I don't know where else to go for help. Thanks for reading this.

1 posted on 08/25/2007 8:28:17 AM PDT by MSSC6644
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To: MSSC6644
My primary difficulty seems to be that I can't keep my thoughts to myself.

:-) That disease runs among a lot of us.

2 posted on 08/25/2007 8:30:21 AM PDT by RetiredArmy (Proud Member of the Vast Right Wing Hate Site, FREE REPUBLIC!!!!!)
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To: RetiredArmy

You’d think I would have learned by now. I just can’t seem to stop myself from saying “something cute” or being facetious. One thing I’ve learned is that my sense of irony is never or seldom appreciated by those who are the target.


3 posted on 08/25/2007 8:38:14 AM PDT by MSSC6644 (Defeat Satan. Pray the Rosary)
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To: MSSC6644

1. What state are you in?
2. Were you full time, part time, independent contractor? The definition of full time varies by state.
3. If the Church has insurance through an open market product, you probably are eligible for COBRA if you were a full time employee. If the Church has a self insurance product through your denomination, depends on more variables than I can help you with.
4. You need to apply for COBRA within 30 days in most states to make sure you don’t have a lapse in coverage.
5. It usually works that you will have to pay full premium PLUS (at the discretion of the ex-employer) several percentage of your premium for a service fee.

I can’t give you much more without knowing what state you are in. If you were full time and on the ex-employer’s coverage, getting COBRA should be your right.


4 posted on 08/25/2007 8:44:38 AM PDT by JerseyHighlander
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To: MSSC6644

You got fired because you hurt someone’s feelings.....hard to believe thats all it was.
You are 63 with an ADA recognized disability you should be on medicare and you can collect social security.
How about posting your resume on monster.com.
Next time keep you mouth shut.
There are lots of health care plans out there do an internet search, oh yea keep your mouth shut.


5 posted on 08/25/2007 8:46:05 AM PDT by svcw (There is no plan B.)
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To: MSSC6644
My primary difficulty seems to be that I can't keep my thoughts to myself.

I have this problem too. The best remedy I've found so far is to keep my mouth full of food.
6 posted on 08/25/2007 8:47:00 AM PDT by Jaysun (It's outlandishly inappropriate to suggest that I'm wrong.)
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To: MSSC6644
Just google your state and health care,and Walmart has a $4 Prescriptions
7 posted on 08/25/2007 8:50:58 AM PDT by mdittmar (May God watch over those who serve,and have served,to keep us free)
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To: MSSC6644
If you are immediately buying your own insulin, please read this:

Use Of Insulin Pen May Save Diabetics Thousands Of Dollars

http://www.sciencedaily.com/releases/2007/08/070820170139.htm

Also, take a look at the drug companies’ own free or low-cost drug programs. Many cut costs enormously.

Be sure to also check with places such as Wal-mart for $4 prescriptions on hundreds of drugs.

Try to get yourself healthier, too. Exercise and eat better and you can undo some of the things you may have acquired over the years. It’s the hardest way, but it’s the best.

8 posted on 08/25/2007 8:51:19 AM PDT by ConservativeMind
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To: MSSC6644
I know. I suffer badly from diarrhea of the mouth sometimes. I have always had this bad habit of speaking my mind and pissing a large portion of the population around me off. Oh, well. But, by cracky, if it is wrong, if you have another opinion, screw them. I speak up now. Freedom of speech is the one freedom you give up in the military. It is not a place where debate is allowed, and for good reason. Only one mouth counts and that is the one in charge.

For way too long, I was forced to keep my mouth shut when I worked for a couple of absolute fools, who could only "lead" troops by threat, not by ability. This was officers and NCOs alike. Some complete and utter morons. I now do not have that threat of getting court-martialed hanging over my mouth. If I don't like it, then I am free to speak now. Man, it is nice.

9 posted on 08/25/2007 9:02:41 AM PDT by RetiredArmy (Proud Member of the Vast Right Wing Hate Site, FREE REPUBLIC!!!!!)
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To: MSSC6644
If you are eligible for COBRA your employer has to notify you in writing telling you what your benefits are under COBRA and what you will be paying monthly. You will be paying the full cost of the insurance, no cost sharing by the employer. Typically COBRA only lasts 18 months.

You might want to go with COBRA for a month or two which will give you more time to do research to find a better insurer or deal.

10 posted on 08/25/2007 9:06:04 AM PDT by Red_Devil 232 (VietVet - USMC All Ready On The Right? All Ready On The Left? All Ready On The Firing Line!)
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To: MSSC6644

“I do not believe I am eligible for COBRA...”

If you had health insurance provided by your company I would bet you are eligible. Contact the Division of Insurance in your state and ask them if you eligible, what the rules are, and how to get signed up with COBRA.


11 posted on 08/25/2007 10:00:27 AM PDT by faq
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To: JerseyHighlander

Thanks so much for the positive and helpful response. I was working in Missouri. I was considered full-time, although I often worked just 36 hours per week, which was under contract until July 1. My insurance was with Blue Cross/Blue Shield.

The church or diocese has not notified me that I am eligible for COBRA; that’s another reason I fear I may not be.


12 posted on 08/25/2007 11:26:26 AM PDT by MSSC6644 (Defeat Satan. Pray the Rosary)
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To: MSSC6644

36 hours a week should make you eligible. You have two options, try both.

Call the 800 number on the back of your insurance card (or inside your health insurance (acceptance letter)/(renewal letter) package and tell them your situation.

Call your diocese HR and ask for the tel. number of the insurance agent for your health plan. The insurance agent will get you what you need in way of applications. Agents are not keen to intercede in messy firings, but they are (at least in NJ/NY) required to provide the information to get you on COBRA.

Either or both should get you the application forms and give you a better understanding of your current situation, and the full monthly prices of your COBRA options.


13 posted on 08/25/2007 11:33:16 AM PDT by JerseyHighlander
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To: ConservativeMind; mdittmar

Thanks for your great responses. I am not on insulin, although I was diagnosed in 1994. I do take two drugs for the diabetes. I am in relatively good health. I see my doctor 4 times a year — have the necessary blood tests. My heart, bp, liver, kidney are all good.
I have lost about 35 pounds in the last 15 months. I am still losing, but quite slowly.
I will start getting those drugs I can at Wal-Mart or another pharmacy that charges just $4 for them.


14 posted on 08/25/2007 12:04:55 PM PDT by MSSC6644 (Defeat Satan. Pray the Rosary)
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To: faq; Red_Devil 232

I’ve checked the web pages of the state and federal gov’ts. Believe it or not, my firing was so traumatic, and definitely unexpected, that I left the “letter” citing the reasons on my desk as I was escorted from the building.

Because I have received no notice from either the diocese or the church that I am to receive COBRA, I don’t think I am eligible. On the fed site there is a statement that those employed by churches are not covered under federal statute. I hope I misunderstood.


15 posted on 08/25/2007 12:09:47 PM PDT by MSSC6644 (Defeat Satan. Pray the Rosary)
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To: JerseyHighlander
Either or both should get you the application forms and give you a better understanding of your current situation, and the full monthly prices of your COBRA options.

Thank you again for your information and the sane manner of presentation. I will do the 800# on the insurance card as the HR person at the diocese was never helpful to me and could be, I believe, part of what I see as a complete charade to get rid of a traditional, orthodox Catholic who was stupid enough to accept a job working for and with two extremely liberal, heterodox "bosses."

16 posted on 08/25/2007 12:17:17 PM PDT by MSSC6644 (Defeat Satan. Pray the Rosary)
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To: MSSC6644

Perhaps you are overly defensive around authority? Was mom or dad always nagging or critiquing you? Whatever the reason, let it go, pray on it, and treat people like the imperfect being you are, with some compassion.


17 posted on 08/25/2007 5:28:52 PM PDT by gotribe (I've been disenfranchised by the GOP.)
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