Health Insurance. HELP!!

[ConcernedFiencee]

Hello
My fiencee and i are getting ready to move to southern oregon on sept. 5 and neither of us have health insurance. I'm not to worried about me right now because i have just got my pap done, blood tests , and will get wisdom teeth out this friday (8/24), so for right now im pretty much taken care of. But my fiencee Michael is deaf and his dad just ded of cancer. Anyways his dads cancer strted as melinoma (Sp), then it went and spread threw his whole body and he got brain cancer and he died 17 days after 2 of his sons and i graduated from high school and 1 day after michaels birthday. Michael is very worried that he will get cancer now because it is in his family and the Dr. said all the kids have a HIGH risk of getting the cancer to, well Michael has a mole on his back and it worries everyone. with him not having insurane i dont know how we can get it removed asap. What is a good but cheap health insurance that would cover this mole and his hearing aids, cochular implant batteries ect. Please Help i know this isnt probably making a whole lot of sense but we need help.

[AvinTechno]

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[AvinTechno]

Thanks

[Ameriplan]

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[peekawho]

I agree totally--there should be universal health care.  BUT THERE IS NOT.  Write your congressman and governing officials all you want...but for these posters (this one and the one above) they need real life solutions, not wistful "if only" posts.  There are places that provide sliding scale services, and she should start with her health dept.  They are used to dealing with indigent people and their issues, and can probably help her find other resources, too.  

I've had cancer, asthma, and hgh blood pressure and ruptured discs, and have never been able to quit a job for fear of losing my health insurance.  Its been very hard, but I've had to do it regardless.  

I gave the OP a way to look up temporary health care, yet I did not hear from her that she looked into any of them.  No, they are not free.  Nothing in life is free.  

[PlateletGal]

"Platelet gal may be very nice, but there is no universal health care right now, and probably won't be anytime soon enough to help you with your problem."

Thank you. My only suggestion is that people who are in these sticky situations, should consider being proactive by writing their Senators and Congressmen. MSNBC has just posted an article today on Universal Healthcare and more businesses are supporting it. The public just needs to add their .002 cents.

[peekawho]

Did you look at ANY of the dozens of sites that can be found if you look at "temporary health insurance"?  

Once you start college, you will at least have the student health center that you can go to.  Some are free, some do cost.

Good for you for going to college, but it may be that you will have to go to school full time, and get a part time job also.  Its hard, but can be done.

Platelet gal may be very nice, but there is no universal health care right now, and probably won't be anytime soon enough to help you with your problem.  So focus on the reality, which is how you and your fiancee can afford to pay for your health care.  

[PlateletGal]

I understand and I'm starting to worry about my health insurance coverage, because I have a medical condition. Sure I can get health insurance again, but they won't cover anything related to my medical condition. My doctor always says, "healthcare system? There is NO system". It is true. The only thing we can do is put pressure on the people we elected, who are now in office !  If we lived in European countries or Canada.... none of this would be happening right now.

[ConcernedFiencee]

I agree the system is totally messed up. Can you get insurance coverage if he has not been diagnosed yet? I'm not to knowledgeable when it comes to this stuff. I have been on the Oregon Health Plan for as long as i can remember but after i graduated high school i couldn't be on it anymore. Thank the good lord for my grandparents, they have been trying to get my fiencee health insurance for cheap but he does not qualify for anything, either he is not disabled enough or makes to much money (which he doesn't make that much). My grandparents have been paying for all my Dr. and Dentist appointments, i just got the shot to prevent HPV and that cost my grandparents $200 and i still have to get 2 more doses of it. I get my last 2 wisdom teeth taken out 2marrow and they will pay for that too, but i dont want to ask them to pay for all my medical. ITS NOT RIGHT! I think people who need insurance should be able to get it without having to pay a bunch of money. I hope once i start college they have a insurance program that i can be on. Well write back. Im happy i found someone on here who is nice to me, and can help. Thank you so much!!!
Keisha

[PlateletGal]

"So if you could possibly tell me how he can pay for everything when he is making $10 an hour i would like to know"

That's a common question in this country and this is why our laws need to change. I know someone who worked for 18 years and then became ill with an autoimmune disease. Although she wasn't getting disability at the time, she had to pay $600/month for COBRA, so that she wouldn't lose her insurance. She paid for COBRA for the maximum 18 months and then tried to get insurance through another provider, but they wanted to jack up her rates because of her pre-existing illness. She simply could not afford it.

I have a friend who lives in Portland. If I remember right, I believe there are places that you can see a physician on the sliding scale. You might want to call the Governor's office and get a list of those places. But remember if they diagnose your boyfriend, then he probably can't get insurance coverage after that. I've been writing my Congressmen and Senators about the need for universal healthcare. We cannot continue on this path we are on.... otherwise many more Americans will be on disability because they can't get treated. (my opinion)

[peekawho]

Check out the temporary insurance sites.  What else can you do?  He can try the health dept.  I mean, there is nothing else to do.  

[ConcernedFiencee]

We are going to move he will be working full time i will be going to college full time. Thats why i asked for help! He will be having to pay all the bills and when you first start some where (Working) you dont make all that much. So if you could possibly tell me how he can pay for everything when he is making $10 an hour i would like to know. I didnt think his hearing aids and junk would be covered but i do want that mole off his back and he needs to get blood work and **** and we cant pay for all that stuff and we dont want to be in debt becaue of it. Tank you.
Keisha

[peekawho]

Look up "temporary health insurance" or "short term health insurance".  I found a wealth of sites, including this one:
http://www.buyamericaninsurance.com/health/individual/temporaryhealthinsurance.jsp

There were many more.  Anyone who does not have health insurance is asking for trouble.  One accident or illness can ruin you financially.  Most, if not all insurances will not cover a preexisting condition, so his hearing aids and other durable medical equipment may not be covered at all.  Once you get a job and have regular health insurance and pass the usual 90 day waiting period, those items could be covered.

So move, get full time jobs, and get insurance.  In the meantime, check out temporary health insurance or short term insurance to see what will cover you in the meantime.  Go look at the post directly under yours about the $11,000 emergency room bill.  That could happen to ANYONE, at any time.