Jan,

As an employee in the HR department and one who does legal research for the
company regarding insurance and COBRA issues, I can tell you you are between
a rock and  a hard place.

Unfortunately, your mother's insurance company has no legal obligation to
keep you on as a beneficiary after the age of 19 (if you were not in school)
or after you reach 25 if you are not permanently disabled.  Am I correct in
surmising you have a college degree or vocational training?  In that case,
you would theoretically be able to support yourself due to training or
schooling and therefore not considered unemployable, untrainable and unable
to support yourself.

Also, most unfortunately, COBRA may be the cheapest option you will have.
Self-insurance is prohibitively expensive, even for able-bodied people, and
nigh-well impossible for disabled folks to obtain without exclusion riders
and high deductibles.  So, if you can at all at this point, you may wish to
go with COBRA.

Another option you may wish to look into is to see if your state offers a
Blue Cross-Blue Shield HMO plan.  Again, it's not cheap, and the deductibles
tend to be high as well as the coverage restrictive, but it's better than
nothing in time of medical emergencies.

Kat


----- Original Message -----
From: "Jan Nottmeier" <[log in to unmask]>
To: <[log in to unmask]>
Sent: Monday, April 29, 2002 5:36 PM
Subject: Health Insurance help needed


> Hello friends, I am writing you for advice.  I will have NO Insurance
> starting May 1.   I turned 24 on April 27th.  I have been covered by my
> mother's insurance.  I was under the understanding that I would be able to
> continue on her policy because of my CP.  I had my doctor send them a
latter
> saying I had CP.  I applied for SSI.
>
> As it turns out my Mother's insurance company John Deer of Tennessee
denied
> me coverage because I have been denied SSI (I have well over $2,000 in a
> bank account in my name).  I have some money saved up for a rainy day  I
> have tried contacting attorney but have had no luck.  They are like sorry
we
> can't help you.  Do you know any insurance company that would take me?  Or
a
> good attorney that could advice me?
>
> The only option I have been given is to continue with COBRA.  But I heard
> that is very expensive.  My coverage will be terminated on April 30.
Thank
> you for any advice.  Please feel free to forward this letter.  If you need
> my address and phone number e mail me.
>
> Thank You,
>
> Jan Nottmeier
>
>
>
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