Health Insurance for Alcoholics??? Is it possible?
Here's the story. I have a little over 2 yr.s of sobriety. I work full time for a small business that does not have enough employees for a company health insurance plan but DOES offer benefits. I basically have an individual plan and my boss pays half the premium.
The first insurance company I tried to get covered on, I admitted that I was an alcoholic in recovery because I didnt know any better. It was a question on the application and I live an honest life now, so I saw no reason to lie. Well, I got a letter in the mail shortly after. The letter stated that I was denied insurance because I had been treated for alcoholism.
So, I learned my lessson there. I went to another company, and told them that I was a healthy 23 yr old with no history of anything...i just needed insurance. I got covered on an individual plan...no problem. I have had that insurance for about six months now.
My insurance company requested medical records from my doctors, and last year I talked with my doctor about my alcoholism so it was in my records. They found this out and immediately terminated my policy with NO NOTICE!!!!
I take antidepressants and cannot get them without insurance....I dont know what to do. If I lie I get turned down, if I tell the truth, I get turned down!
How in the hell do recovering alcoholics get insurance!!!!!!
Please help!!!!
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