I need a Christmas miracle

*UPDATE*

I should have done this months ago.  The blogosphere always comes through.

Thansk to the suggestions from some peoplearound the ‘net to look at high-risk stuff, I ended up getting a call from a company called IAB Health Group.  They buy group plans and resell to people that Anthem Blue Cross turns down.  The end result?  As of January 1st, we might be covered.  And it’s pretty good insurance, not the best ever but a damn sight better than paying out of pocket.  The benefits list is here.

Now, like in all things that seem too good to be true, I am wary.  I used a credit card that I can dispute should all hell break loose and this turn out to be some scam.  Worst case scenario, I lose $341.80 (the first month plus enrollment fee).  If this turns out to be totally legit, IAB will bcome my new favorite company ever and I’m going to become evangelical in trying to get them new members.

Thank all of you SO much for your help, suggestions, prayers and wishes.  I feel like a three ton weight is off my shoulders...maybe.  :)

Oh, and to the couple of folks that went that extra mile, and you know who you are...I don’t really know what to say except thank you.  I hope your Christmas or Hannukah or whatever you celebrate is the best it can possibly be.

END *UPDATE*

I have been thinking about this for weeks, wondering if posting this is somehow crossing the line.  I know lots of people ask for support and favors in the blogosphere.  I have asked on behalf of others in the past.  This time I’m asking for me.

If you aren’t aware (and unless you’re a long-time reader of my blog, there is no reason you should be), my wife has been pretty ill for nigh on to 5 years now.  Our health insurance was gone a long time ago...she was a law student and the university stopped covering her after the third semester of medical leave.

Last year I was turned down by every carrier I could find.  I fear it may be worse this year because now she has been diagnosed as epileptic.  Pre-existing conditions and all that.  I have tried almost every group or self-employed plan you can find, all to no avail.  Many of them don’t even return multiple requests for information.

So here is my plea...if you work in the health insurance business and you know a way I can get her insured, please tell me.  We would be willing to pay almost anything in premiums.  Anything has to be better than the $12,000 or so we’re shelling out now.

I only have one string: It has to be a PPO.  Any plan that would restrict the doctor or facility choice or force us to apply for permission for treatment isn’t worth having, we may as well pay cash.

There has to be someone out there who can help.  Someone who knows the rules or can make an executive decision to help us out.  Right?  There has to be someone.

If you can help, please contact me.  I will be in your debt for all of time.