Can you get Lupus

Answer 1

You get lupus when your immune system fires a constant attack against a toxin in your tissues that cannot die. Your body then gets stuck in a Th1 or Th2 dominance.

Answer 2

If you are currently covered under a group health insurance plan through your employer you are eligible to get it through a new employer. However, if you leave your current employer and there is a gap between the time you left and when you start your new one (more than 3 months), the new employer does not have to cover you. If that is the case, you'd be better off going with your Cobra coverage if you quit your present job and when you start the new one you'll be all set.

Correction toI think the three month time frame above is incorrect. I believe HIPAA regulations stipulate 63 days. Do take Cobra to keep the continuous coverage in place as long as you can.

Check with your state health department. Many states make arrangements to cover people who don't qualify with private insurers, usually through some kind of high risk health insurance pool. It's expensive (here in Texas, by law, the rates have to be set 2x higher than the average state rates) but probably not as expensive as a catastrophic illness without any coverage at all. The same pre-existing conditions will likely apply, but if you can COBRA or somehow stay in your insurance plan until you get the state one set up, they'll probably cover everything. If there's a lapse in coverage, the pre-existing conditions apply (at least in Texas).

I have lupus and had lapsed coverage for over a year. Basically, in Florida, I can't get individual coverage. Because some states require that there be a limit to the time a condition can be considered pre-existing by an insurance company, some dread diseases and conditions are flat-out refused for coverage. But I was hired by a company which is part of a PEO (employee leasing group) and because the group is large enough, I didn't have to even fill out a medical questionnaire--the group was already underwritten. So the key may be to be employed by a company with a large enough risk pool that the insurance company does not individually underwrite.

In many cases yes. There are a few states that require insurance companies to offer coverage to everyone (guaranteed issue); New York & Mass for instance. Most employer groups will cover just about everyone so that is an option. Finally there are some plans on the market that have 'almost' guaranteed issue. These are generally high deductible plans with only a few knock-out questions. One plan I use frequently has only three requirements: You must be working, you can not have HIV/AIDS and you can not have had over $25,000 in medical expenses in the previous 12 months.

The Affordable Care Act provides a means for people with pre-existing and chronic conditions to be able to get affordable health insurance. In each state, there is a special fund for this. You can find what is available in your state by going to www.healthcare.gov.

Answer 3

The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting conditions.

Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to allow insurers to maintain a balance between the cost (premiums) for insurance relative to the magnitude of the risk assumed.

Answer 4

A person can get insurance in IL with lupus. The only catch is to find out if you will have a pre-exisitng clause in your policy contract or if lupus could be an excluded condition. It could take a little more patience to find an insurer without this clause as it is pretty common but it is possible. Also take into account how long the pre-exisitng clause if for. If you already have health insurance, by law your current insurer is required to send you a certificate of credible coverage (COCC) which will reduce any number of months you would have to wait on a new policy by how many months you were previously insured. So say you had insurance for a year.. then the policy termed. Two months later you get a new policy through a new insurer with a 12 months pre-x clause- you wouldn't have a wait because you have 12 months of credible coverage. Does that make sense? Shop around and let me know what you find. If you decide on an individual policy find out how much it would be to waive pre-x and if a COCC could apply to that type of policy. I hope this was helpful, Evan

Answer 5

Many lupus patients find it difficult to obtain health insurance, especially if they are not part of a large employee group. Policies about insuring lupus patients can vary from insurance company to insurance company. Some may consider it a pre-existing condition. Others may not cover lupus related expenses until you have had a period of six months or more where the disease has been relatively calm or stable. Again, it varies from company to company.

Answer 6

It depends upon what state you live in. If you live in Maine, you can buy an individual health insurance policy and the insurer cannot turn you away. The price will be based upon your gender, your age, and your zip code. It will not be based upon your health status. There are several other states that have similar rules.

All states will have this rule starting in 2014.

Answer 7

if you are on disability for lupus how do you get medical benefits