Which of my 4 medical conditions cause me to have high premiums?

I do not have health insurance available at my place of employment and have to pay 0 per month for a high deductible, bare-bones policy.
I am a 48-year-old female living with depression, Sjogren's Syndrome, fibromyalgia, and restless leg syndrome – all of which are under control with meds. I am active and otherwise quite healthy, and feel 1,000% better than I did when diagnosed a few years ago. (btw, I have tried to get off the depression med, but always crash)
If I knew which of these are responsible for my insurance woes, perhaps my doc could tell the insurance company that I'm "cured" or something……
I do not have health insurance available at my place of employment and have to pay 0 per month for a high deductible, bare-bones policy.
I am a 48-year-old female living with depression, Sjogren's Syndrome, fibromyalgia, and restless leg syndrome – all of which are under control with meds. I am active and otherwise quite healthy, and feel 1,000% better than I did when diagnosed a few years ago. (btw, I have tried to get off the depression med, but always crash)
If I knew which of these are responsible for my insurance woes, perhaps I could ask my doctor if we could try a non-pharmaceutical treatment for the condition and if it doesn't worsen, would the insurance company take a new look at my situation.
For my own health's sake, I should probably do that anyway….
Thanks for your response.

Written By Evie Neumann

{ 1 comment… add one }
  • Walt B April 1, 2009, 9:37 pm

    Since your employer does not have a group program in place you are obviously covered by an individual policy.

    1. Depression and anxiety are not usually a factor since individual policies typically exclude coverage for mental or nervous disorders. If diagnosed as extreme maladies such as manic depression or bi-polar disorder you are considered
    "uninsureable".

    2. Restless leg may or may not be rated depending on the companies underwriting guidelines.

    3. Fibromyalgia is always rated and if severe will disqualify you from coverage

    4. Sjogren's is always rated and may disqualify you with some carriers.

    Your doc will not provide the underwriters with bogus feedback.
    However, if your Fibro is treatment free for 2 years certain carriers will drop the rating. Sjogrens has no recovery period and will always be rated whether controlled or not since insurers will not rely on you to faithfully take your meds.

    Your premiums seem high for a "Bare Bones" plan with a high deductible, but a number of factors such as location and optional benefits vary from state to state as well as carrier to carrier.

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