#flmi

[newstech24]

FLMI: Perfectly Sensible, Just Produces A Meagre Income

FLMI: Perfectly Sensible, Just Produces A Meagre Income

FLMI: Perfectly Sensible, Just Produces A Meagre Income

[blondesforreagan]

Ask me anything about health insurance and/or health care - I've been in both professions and am credentialed in both.

Sorry, no anons (can't figure out how to turn it off) 

[blondesforreagan]

I wonder if people understand that pre-existing conditions are generally not excluded from group insurance.  The assumption is that if you are well enough to WORK, the condition couldn't be that bad.  

Where pre-existing condition exclusion clauses occur in individual insurance to prevent someone from buying insurance because they are ill.  Just like you can't get flood insurance once a major storm is predicted... all the insurance company would be doing in that case, as they say in the industry is 'buying a claim'.

As it stands PECE (preexisting condition exclusion) has been limited by law.  In 1996, the federal law HIPAA was passed, which included the following:

If you have a preexisting condition that can be excluded from your plan coverage, then there is a limit to the preexisting condition exclusion period that can be applied. HIPAA limits the preexisting condition exclusion period for most people to 12 months (18 months if you enroll late), although some plans may have a shorter time period or none at all. In addition, some people with a history of prior health coverage will be able to reduce the exclusion period even further using "creditable coverage." Remember, a preexisting condition exclusion relates only to benefits for your (and your family's) preexisting conditions. If you enroll, you will receive coverage for the plan's other benefits during that time.

[vuehunter]

while solo manning the darkroom

a friend gave me a roll of ektachrome 100 medium format, expiry 1996. the ideas coming to mind are hilariously huge; I'm gonna plan out every last grain of these shots. also bought: two rolls of efke 25 35mm and a tri-x 400 medium format.