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God provides

February 15, 2006

So, pretty much the only downside to going to work at Precision is that they don’t provide health insurance. We’re going to have Elizabeth stay on CNF’s health coverage thru COBRA and Steph and I are going to get our own individual insurance thru Regency BlueCross (though we found out that Kaiser is going to offer individual plans starting in July… we’ll switch to that come July).

But COBRA only lasts 18 months. What do we do when that runs out? Elizabeth is basically uninsurable on her own due to the heart defects at birth. That whole pre-existing condition thing.

We just found out from our insurance guy that Washington state has a clause in their insurance laws that once COBRA runs out, the individual is exempt from having to fill out a health questionairre when the time comes to get new insurance. No questionairre, no pre-existing condition (on the application). No pre-existing condition = insurable. Boo-ya!

All of us being able to be covered by an individually purchased health plan = Hutch doesn’t have to work 20 hours a week at Starbucks on top of working for Precision to get health coverage for Elizabeth = more time to be with family and work on school. Double boo-ya!

Thank you Washington State Legislature.

See? Told you. God provides.

2 Comments leave one →
  1. Slothboy permalink
    February 15, 2006 1:19 pm

    I would check out pacific source before you go with regence. I’ve had both and I found that pacific source covered a great deal more. Whith Madi, including emergency c-section and all that good stuff, it cost $100 for the pregnancy. With regence it is an 80/20 split, so we had to pay 20% of the costs with an annual out of pocket maximium of like, $4,000 or something. Kacyn cost about $2,000. Huge difference.

    the 80/20 applies to all testing as well. So if you get an x-ray it doesn’t fall under your co-pay. You have to pay 20%.

  2. February 15, 2006 3:08 pm

    Duly noted. We’re meeting with the guy on Monday so we’ll find out the goods then. Does Pacific Source cover Washington?

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