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  1. #1
    Senior Member 55/Rad's Avatar
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    Jan 2004
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    Portland, OR
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    Frustrating Insurance Companies

    I've been out of work for some time and have been building my own business, which is actually going fairly well.

    My COBRA benefits were up, so I went looking for an individual plan here in Oregon.

    I am 51 with absolutely no pre-existing conditions. I have been healthy all my life and I ride a bike 4-5 days a week.

    4 years ago, my wife ran off with another guy. The divorce took its toll both financially and emotionally...and then I lost my job. I had a bout with anxiety for which I took meds for 2 months. Yes, 2 months. Things have been fine ever since.

    But, because of that, I am being declined coverage from a reputable provider. I guess I will now need to apply to a bunch in order to (hopefully) find one.

    Frustrating....

    55/Rad

  2. #2
    Senior Member
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    Apr 2007
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    I hear ya. My wife being pregnant was a "pre-existing condition" which made it tough for us, too!

  3. #3
    Cool Beans MangoPumpkin's Avatar
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    Jun 2010
    Location
    Lancaster County, PA
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    Raleigh Cadent
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    Have you tried applying for state benefits yet? You would most likely be eligible and it would help you until you got on your feet.
    I've got your restraining order right here. [grabs crotch] Restrain this!

  4. #4
    Senior Member jdon's Avatar
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    Come on up. We'll look after you.

  5. #5
    Chepooka StupidlyBrave's Avatar
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    Sep 2006
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    South Central PA
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    1990 Trek 1400 7spd; 2001 Litespeed Arenberg 10 speed
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    I can't get life insurance, so I'm familiar with what you're going through.

    I even challenged them to a bicycle race - they declined.

  6. #6
    You Know!? For Kids! jsharr's Avatar
    Join Date
    Apr 2005
    Location
    Just NW of Richardson Bike Mart
    My Bikes
    '05 Trek 1200 / '90 Trek 8000 / '? Falcon Europa
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    Quote Originally Posted by jdon View Post
    Come on up. We'll look after you.
    Even Rad has limits. You just pushed them hard.
    Are you a registered member? Why not? Click here to register. It's free and only takes 27 seconds! Help out the forums, abide by our community guidelines.
    Quote Originally Posted by colorider View Post
    Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.

  7. #7
    Senior Member mikeybikes's Avatar
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    May 2009
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    Edgewater, CO
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    Blech. That sucks.
    My Bikes: 2010 Breezer Uptown EX | 1980 Miyata 610 | 1970 Hercules | 198? Miele ?
    Wife's Bike: 2008 Globe City 7

    My Blog, a mix of bicycling, tech, and family.

  8. #8
    You Know!? For Kids! jsharr's Avatar
    Join Date
    Apr 2005
    Location
    Just NW of Richardson Bike Mart
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    Tell them about the Tete, Rad, they might reconsider. Imagine they have a large claim to pay to you and they just keep dragging out paying it, they could work you for what, 6 or 7 years easy.
    Are you a registered member? Why not? Click here to register. It's free and only takes 27 seconds! Help out the forums, abide by our community guidelines.
    Quote Originally Posted by colorider View Post
    Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.

  9. #9
    Senior Member
    Join Date
    May 2006
    Location
    Buffalo, NY
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    Trek 2300, Cannondale ??, Univega Hyrid
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    is there a chamber of commerce up there? some have group plans.
    sigless at the moment....

  10. #10
    Senior Member jdon's Avatar
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    Quote Originally Posted by jsharr View Post
    Even Rad has limits. You just pushed them hard.
    Yeah, I know. Sounds like he is in a far superior situation..

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