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peejay

Any good individual medical insurance plans in TX?

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Filed: Country: Belarus
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I added my (then 18 years old) stepdaughter to my employer's group medical insurance plan after I married her mom in 2004. Unfortunately she dropped out of college at age 19 and was no longer eligible to be on my employer's group family medical insurance plan. I was able to continue her medical coverage by paying an extra $233.41 per month through C.O.B.R.A. (Consolidated Omnibus Budget Reconciliation Act health benefit provisions of 1986) that allowed group coverage to be extended for another 36 months at extra cost. Unfortunately the 36 months has passed and my employer's group plan is no longer required by law to extend her group medical coverage. Her group medical insurance will end on January 31st. The insurance carrier declined to offer her an individual plan coverage.

My stepdaughter's employer does not offer any group medical insurance plan or benefits. She gets a paycheck and nothing more.

We applied for a high deductible individual plan through Blue Cross Blue Shield of Texas and the application was denied yesterday. They refused to even cover her and denied the application while pocketing the $30 application fee. It took BCBS-TX nearly a month to decide not to cover her and now we face the prospect of no medical insurance for her after January 31st.

My 22 year old stepdaughter is in relatively good health, but is successfully treated for epilepsy through medication. I can't believe they would deny her coverage just because of that. #######?

Does anyone know of any reputable individual medical insurance plans offered in Texas?

Edited by peejay

"Credibility in immigration policy can be summed up in one sentence: Those who should get in, get in; those who should be kept out, are kept out; and those who should not be here will be required to leave."

"...for the system to be credible, people actually have to be deported at the end of the process."

US Congresswoman Barbara Jordan (D-TX)

Testimony to the House Immigration Subcommittee, February 24, 1995

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Filed: Country: Pitcairn Islands
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It is possible that if she was denied once, she would more than likely be denied again. Individual plans are only for people who have no medical history, under 40, healthier than horses, ie, people who would never use it. I have no idea what your state (Texas?) offers for health coverage or what her income would be considered as, but that may really be an option if she cannot get employer coverage. Some states have plans not exactly tied to Medicaid so the income limits are higher.

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Filed: Country: Belarus
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It is possible that if she was denied once, she would more than likely be denied again. Individual plans are only for people who have no medical history, under 40, healthier than horses, ie, people who would never use it. I have no idea what your state (Texas?) offers for health coverage or what her income would be considered as, but that may really be an option if she cannot get employer coverage. Some states have plans not exactly tied to Medicaid so the income limits are higher.

In Harris County (Houston) the county hospital district offers offers a government subsidized HMO type plan in which participating patients must go to only county operated clinics for basic care and pay on a means tested basis. Legal immigrants are accepted in the Gold Card program. IMO it appears to be bare bones indigent care and very limited. I don't know the details of the coverage or the maximum liability. I'm not even sure if she qualifies, but she probably does because her income is so low.

I will get quotes and apply at Humana, Aetna, Unicare, and some other carriers before I resort to the county system. Surely someone would underwrite a bare bones high deductible emergency hospitalization plan with a total out of pocket of $8000 max.

I could keep her on my employer's plan until she is 24 years old if she would just go to college as a full time student. The problem is that she won't attend classes even when I pay 100% for books and tuition. Her mom and I tried to send her to college, but she cut classes and flunked out. What a waste. Very frustrating for me. It is a big liability for sponsors of immigrants that signed an I-864. One accident can ruin you if the government chooses to go after you.

The private, profit driven system is not the answer for American healthcare. The way things are now is not acceptable IMO. It is a profit driven rip off for necessary services that are not a frivilous luxury.

These people are setting themselves up for eventual socialized medicine. Their chickens will eventually come to roost and they will richly deserve it IMO.


"Credibility in immigration policy can be summed up in one sentence: Those who should get in, get in; those who should be kept out, are kept out; and those who should not be here will be required to leave."

"...for the system to be credible, people actually have to be deported at the end of the process."

US Congresswoman Barbara Jordan (D-TX)

Testimony to the House Immigration Subcommittee, February 24, 1995

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Filed: IR-5 Country: United Kingdom
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I empathise with your step- daughter as I too have epilepsy and before I had insurance through my work, we were paying $210 for my medication every 30 days as opposed to $15 now.

There is a plan by Aetna called the vital savings plan Vital Savings by Aetna. Its isn't insurance but it offers discounts and may be worth looking into?


I-130 for both parents

March 28th 2013 - Priority date/ NOA 1
November 14th 2013 - Transferred to Nebraska Service Center

January 7th 2014 - Case changed online to approved for both

January 8th 2014 - case changed to shipped to NVC

January 9th 2014 - case changed to NOA 2 mailed

January 10th 2014 - Received the hardcopy of the NOA 2 stating that NVC would issue a case number in 30 days approx.

January 21st 2014 - Case Received at NVC

February 26th 2014 - Case numbers and IIN number received - Wrong embassy code assigned...now waiting for new case numbers.

March 3rd 2014 - Filled in DS-261 for both parents

March 5th 2014- AOS available, paid and submitted AOS packet.

March 6th 2014 - USPS shows packet was delivered at NVC

March 10th 2014 - AOS shows as paid in the CEAC portal/AOS logged into system as being received by NVC.

March 11th 2014 - New case number assigned for my Dad.

March 20th 2014 - Paid IV fee for my Mum.

March 25th 2014 - AOS accepted by NVC with no checklist.

March 26th 2014 - Filled in and submitted DS-260 for my Mum

March 31st 2014 - AOS found in my Mum's file for my Dad - accepted and placed into his file/IV fee available for my Dad and Paid.

April 1st - Mailed all civil documents to NVC for both parents.

April 3rd: IV fee shows as paid in portal/submitted DS-260 for my Dad.

April 22nd: checklist issued for civil documents - NVC error ...

April 23rd: sent another certified copy of my marriage certificate

April 24th: Case complete! :)

April 30th 2014 - Medical scheduled for parents at Knightsbridge in London

June 11th: Interview at London Embassy - Approved :)

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