Re: Denied medical coverage

[Guest guest]

Cherie,

I am assuming that the letter with the rider is because the plagio is

considered a pre-existing condition and MANY insurance policies will exclude

treatment for pre-existing conditions indefinately or for a pre-defined

period of time (ie 6 months or more). It sounds like this is what BCBS is

doing and unfortunately this is a common practice.

Marci (Mom to )

Oklahoma

[Guest guest]

Hi!

We have experienced this. They may be looking at this from the stand point

of preexisiting condition. We tried to switch insurance companies and we

were told they would never cover anything of Hunter's plagiocephaly or tort.,

even after a year or so. We asked would they cover this after the first year

and they said NO. Good Luck!

Thanks, Amy Hunter's mother

[Guest guest]

Marci,

I could understand them denying him coverage for his skull or the plagio and

torticollis only. But the are saying the that will not cover him for

anything at all. They referred me to the Oklahoma high risk pool for him.

I don't even know what that is. Do you?

Cherie - 's Mom

-----Original Message-----

From: marcisch@... [mailto:marcisch@...]

Sent: Friday, April 20, 2001 10:29 PM

Plagiocephaly

Subject: Re: Denied medical coverage

Cherie,

I am assuming that the letter with the rider is because the plagio is

considered a pre-existing condition and MANY insurance policies will exclude

treatment for pre-existing conditions indefinately or for a pre-defined

period of time (ie 6 months or more). It sounds like this is what BCBS is

doing and unfortunately this is a common practice.

Marci (Mom to )

Oklahoma

[Guest guest]

Cherie,

The high risk pool is basically insurance for people who wou

[Guest guest]

Cherie,

Sorry, I cut myself off, I have terrible trouble with my laptop! What I was

saying is that the high risk pool is for people who would otherwise have

trouble getting insurance through a regular insurance company. Are they just

referring you for your son's insurance coverage? The best example I can give

is with auto insurance. If a person were to have several accidents or moving

violations there insurance co might cancel them. It would be almost

impossible for that person to get insurance with the mainstream companies,

but since we are required to have insurance the high risk pool was created to

meet that need. Usually (but not always) the premiums and deductibles are

higher and the coverage is not always as comprehensive. I think it is unusual

that they would non-cover a baby. Has he had other medical problems?

I hate to hear that you are having trouble with this. I work for a third

party administrator of health and life insurance policies so I have access to

quite a bit of information on the subject. If I can help you in any way

please let me know.

Marci (Mom to )

Oklahoma

[Guest guest]

Kendra

Nothing at all. The wrote they would cover me, my husband and my 2 daughters. Not for anything.

Cherie

-----Original Message-----From: Kendra [mailto:p-nutsmum@...]Sent: Saturday, April 21, 2001 10:52 PMPlagiocephaly Subject: Re: Denied medical coverage

Cherie:

Any and all...... meaning none???? nothing???? or just what's related to the plagio/tort?

Kendra in CanadaFor more plagio info, go towww.plagiocephaly.org/support

----- Original Message -----

From: Cherie baber

Plagiocephaly

Sent: Friday, April 20, 2001 6:45 PM

Subject: Denied medical coverage

I was wandering if anyone has been denied total medical coverage because ofplagio and torticollis. We are trying to change to BCBS and we received aletter stating " a riderwill totally exclude any and all coverage to due to plagiocephaly andtorticollis. "Cherie - 's Mom

[Guest guest]

Cherie:

Any and all...... meaning none???? nothing???? or just what's related to the plagio/tort?

Kendra in CanadaFor more plagio info, go towww.plagiocephaly.org/support

----- Original Message -----

From: Cherie baber

Plagiocephaly

Sent: Friday, April 20, 2001 6:45 PM

Subject: Denied medical coverage

I was wandering if anyone has been denied total medical coverage because ofplagio and torticollis. We are trying to change to BCBS and we received aletter stating " a riderwill totally exclude any and all coverage to due to plagiocephaly andtorticollis. "Cherie - 's Mom

[Guest guest]

Cherie:

Well that's just terrible!!! I just don't quite understand the "American Way" when it comes to insurance! Grrr! (

Kendra in CanadaFor more plagio info, go towww.plagiocephaly.org/support

----- Original Message -----

From: Cherie baber

Plagiocephaly

Sent: Saturday, April 21, 2001 8:11 PM

Subject: RE: Denied medical coverage

Kendra

Nothing at all. The wrote they would cover me, my husband and my 2 daughters. Not for anything.

Cherie

-----Original Message-----From: Kendra [mailto:p-nutsmum@...]Sent: Saturday, April 21, 2001 10:52 PMPlagiocephaly Subject: Re: Denied medical coverage

Cherie:

Any and all...... meaning none???? nothing???? or just what's related to the plagio/tort?

Kendra in CanadaFor more plagio info, go towww.plagiocephaly.org/support

----- Original Message -----

From: Cherie baber

Plagiocephaly

Sent: Friday, April 20, 2001 6:45 PM

Subject: Denied medical coverage

I was wandering if anyone has been denied total medical coverage because ofplagio and torticollis. We are trying to change to BCBS and we received aletter stating " a riderwill totally exclude any and all coverage to due to plagiocephaly andtorticollis. "Cherie - 's Mom

[Guest guest]

Cherie:

I would challenge this...we recently changed insurance companies and have no

exceptions as long as there was no break in insurance (when switching from

one company to another). I was extremely worried about this as we have four

kids (two were preemies) and I am looking at reconstructive abdominal

surgery in the next year.

We switched from Medical Mutual of Ohio to Anthem BC/BS and there was no

problem. Marci made a good suggestion about who to contact. I am not sure

how they can do this.

Sue Luck

mom to 4 including (DOC band graduate)

Cleveland,OH

----- Original Message -----

From: Cherie baber <cherie@...>

Plagiocephaly <Plagiocephaly >

Sent: Friday, April 20, 2001 9:45 PM

Subject: Denied medical coverage

> I was wandering if anyone has been denied total medical coverage because

of

> plagio and torticollis. We are trying to change to BCBS and we received a

> letter stating " a rider

> will totally exclude any and all coverage to due to plagiocephaly

and

> torticollis. "

>

> Cherie - 's Mom

>

>

>

>