So my wife has gone below part time as an RN and lost healthcare coverage, in order to be with our 5 month old daugther as often as she can - this meant we needed to find private insurance..
I contact a health ins. agent that my parents use and I fill out an elaborate form online for all 3 of us, health history etc..
Get a call from the agent a few days later saying me and my daughter were approved but my wife entirely denied, I'm like wtf, why?
Well, she was diagnosed with something called "Raynauds Phenonom" a few years ago, sounds scary but it's not a big deal, decent portion of the population has it and a ton more have it but it's never diagnosed.. All it is for most people is their fingers/toes get too cold in response to the slightest change of temperature (like getting into the fridge).. It's mild in her case, she just has to be sure to wear gloves / socks if it's really cold.
As he described it, "They denied her because there's a chance in severe cases (albeit very rare) that she could require injections, which are very expensive".
So she's entirely denied coverage, because of a very slight possibility she may some time in the future, require expensive injections. I asked him, why can't they just exclude coverage for those injections in her plan? He said because Raynauds can apparently result in effecting other organs which would be impossible to determine the actual cause"
Obamacare may not be the answer, but what we have now definitely isn't either.
I contact a health ins. agent that my parents use and I fill out an elaborate form online for all 3 of us, health history etc..
Get a call from the agent a few days later saying me and my daughter were approved but my wife entirely denied, I'm like wtf, why?
Well, she was diagnosed with something called "Raynauds Phenonom" a few years ago, sounds scary but it's not a big deal, decent portion of the population has it and a ton more have it but it's never diagnosed.. All it is for most people is their fingers/toes get too cold in response to the slightest change of temperature (like getting into the fridge).. It's mild in her case, she just has to be sure to wear gloves / socks if it's really cold.
As he described it, "They denied her because there's a chance in severe cases (albeit very rare) that she could require injections, which are very expensive".
So she's entirely denied coverage, because of a very slight possibility she may some time in the future, require expensive injections. I asked him, why can't they just exclude coverage for those injections in her plan? He said because Raynauds can apparently result in effecting other organs which would be impossible to determine the actual cause"
Obamacare may not be the answer, but what we have now definitely isn't either.
