[Nfbc-info] Long term care insurance

[ckrugman at sbcglobal.net]

The blindness issue can be a very definite issue when it comes to individual 
health insurance. Many insurance will exclude blind people as they consider 
it a pre-existing condition. When it comes to private health insurance there 
is nothing that requires insurance to consider coverage for pre-existing 
disabilities even when they may not cause a health risk such as much of the 
congenital blindness that never changes. This is what happens when results 
of deregulation exists and industries are allowed to set their own 
standards. For a short time I went through training to sell insurance and 
this came up. I only stayed with the job for a few months for various 
reasons that I won't go in to here although I had a very accommodating 
employer.
Chuck
----- Original Message ----- 
From: "Ken Volonte" <kenvolonte at comcast.net>
To: "NFB of California List" <nfbc-info at nfbnet.org>
Sent: Saturday, January 24, 2009 10:58 AM
Subject: Re: [Nfbc-info] Long term care insurance


> Hi Mary.  The problem is more with normal health care insurance, and it's 
> not a blindness issue, but an issue of the insurer having too much of a 
> say in treatment options.  Some years ago, I bought a supplemental plan 
> that looked good on paper.  I dropped it a month later after receiving 
> treatment for a migraine which treatment was dictated by the plan's 
> protocols.
>
>    Then there's the question of risk.  If you're a part of a high risk 
> group, the likelihood is that you will pay more in premiums per month than 
> you will ever use even if you had no insurance at all.
> ----- Original Message ----- 
> From: "Mary Willows" <mwillows at sbcglobal.net>
> To: "NFB of California List" <nfbc-info at nfbnet.org>
> Sent: Thursday, January 22, 2009 9:59 PM
> Subject: [Nfbc-info] Long term care insurance
>
>
>> If you or anyone you know who is blind has had any negative experiences 
>> applying for long term care coverage, please contact me on this list or 
>> by phone.
>> Our new state office phone number is:  (510) 248-0100.
>> Thanks,
>>
>> Mary Willows, President
>> National Federation of the Blind of California
>> mwillows at sbcglobal.net
>>
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>
>
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