Chronic Health Conditions Discussion and Support

there was a list of insurance agents in my state on the federal site. I called one of them and he insisted I had to send him $1,200 to apply to BC/BS to be turned down. Since I had already gotten my hands on the federal application form, I knew that wasn't necessary. I had gotten a note from my doctor that I would benefit from continuing physical therapy for my arthritis and that was all that was needed since the very last "pre-existing condition" was a need for continuing medical care of any kind. I pointed that out to the insurance agent and he agreed to send in my application with my doctor's note and a check for the first month's premium. I got in, no problem. I had been in excrutiating pain 24/7 so it was like a miracle happened. My first appointment was with an orthopedic surgeon who told me one of my hips was just about the worst he'd ever seen. I was immediately sent for all the testing and pre-op sessions necessary for a hip replacement. A month later I had it done and my life is a million percent better. I hope you get into the federal pool because it's pretty decent insurance. There are still deductibles and co-pays, but it sure beats having to go without medical care because you can't afford it.