Re: Denied health insurance coverage

[Guest guest]

I'm sure each state program rules vary. I'm wondering if anyone has kids that

qualify for SSI payments for diabilities for any of the arthritis labels. My

daughter qualifies because of Autism issues here in Penn and because of that she

qualifies for the medical assistance. I am not sure if I would get it for the

arthritis w/o the Autism too. And I would imagine there is a limit for income in

order to qualify. I have two other kids that do not qualify for the medical

assistance from the state... but do get CHIP. Not sure if that is all states or

just Penn. Maybe try that. I know I didn't help much but I'm trying lol.

sonia1md <sonia1md@...> wrote: Well, I got the call today from

our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

---------------------------------

Never miss a thing. Make your homepage.

[Guest guest]

all I can say is UGGGGGGGGGGGGGGGGGGGGGGGGGGG

insurance!!!!!! SuPPOSED to HELP people and of COURSE, WE need it out of all

people but nooooo.... can't have it cause we have a flipping disease!!!

okay... i really hope something will work out.. im not sure of any ideas for

you...

Issadora

On Wed, Feb 27, 2008 at 9:41 PM, J. Ohlinger <myamazing1@...> wrote:

> I'm sure each state program rules vary. I'm wondering if anyone has kids

> that qualify for SSI payments for diabilities for any of the arthritis

> labels. My daughter qualifies because of Autism issues here in Penn and

> because of that she qualifies for the medical assistance. I am not sure if I

> would get it for the arthritis w/o the Autism too. And I would imagine there

> is a limit for income in order to qualify. I have two other kids that do not

> qualify for the medical assistance from the state... but do get CHIP. Not

> sure if that is all states or just Penn. Maybe try that. I know I didn't

> help much but I'm trying lol.

>

> sonia1md <sonia1md@... <sonia1md%40>> wrote: Well, I got

> the call today from our insurance broker that all of our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

> ---------------------------------

> Never miss a thing. Make your homepage.

>

>

[Guest guest]

,

I would try to go with what Liz said. Using either Juvenile Arthritis or

the JIA. Just to see what is said. Make sure you have the Denial Letter in

hand when you go to the State to apply for State Insurance. This will back up

what you are in Need of as Insurance. has been turned down as well and

it just errkkkkkkks me as Insurance is suppose to be there to help.

Keep calling and applying

Robbin

**************Ideas to please picky eaters. Watch video on AOL Living.

(http://living.aol.com/video/how-to-please-your-picky-eater/rachel-campos-duffy/

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[Guest guest]

There's a Program for Special Needs kid's. I think it is Federal Program and

also the Beckett Program.

I would try both. Also contact your Senator as well. Plus the Insurance

Comminner

Robbin

**************Ideas to please picky eaters. Watch video on AOL Living.

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2050827?NCID=aolcmp00300000002598)

[Guest guest]

Since JRA is now more commonly called JIA (Juvenile Idiopathic Arthritis),

perhaps a letter with the diagnosis " changed " from JRA to JIA would help.

Hopefully others will have better ideas.

Liz

_____

From: [mailto: ] On Behalf

Of sonia1md

Sent: Thursday, February 28, 2008 12:30 AM

Subject: Denied health insurance coverage

Well, I got the call today from our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

[Guest guest]

This really hits home for us. We do have insurance coverage for

Caleb but when he was in the hospital everything that was dont there

and his room rates etc was not covered. We have a bill for 26,000

yes 26,000 this is our responsibility that they are not going to

cover we went to the state yesterday to try to get a medical card for

Caleb only they said well we cant help you until you have applied for

diability and if we do help you you will have a 4000 spend down.

Sure we all have 4000 in our back pockets with the way the economy is

right now amd gas price ugh., It really makes me angry that I KNOW

of a couple that work the same as my husband and I make the same amt

of money and have the same household size and they get WIC and

healthy start as well as a medical card for the family just does not

seem fair. I asked the lady yesterday how this could be she was like

I am not sure but you do not qualify I told her that if they could

not produce an explanation to me then it must be fraud of

descrimanation. She was like ummm I am not sure (at this time I had

sat in a chair for 2 hours going through our life history for her to

say sorry contact disability). I was getting grumpy. I finally

stood up and asked ok so what if this was you and your child and he

needs PT and insurance wont pay for it we can not afford it we have

already racked up 800 in PT bills what would you do just does not

seem fair now does it. That I have worked all of my life mind you I

have MS I could be sitting at home on my butt working the system as

other do but no I am a productive citizen I pay taxes and when we

need the help its not there for us to get. So we came home feeling

like a pair of worn out shoes that no one wants. I called social

security and we have an appt on march 20th. THat is our rant and

story!

>

> Well, I got the call today from our insurance broker that all of

our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

[Guest guest]

Concerning state programs. There are state programs for medicaid that will take

the child and count them as a single unit household for the purposes of getting

them medical coverage. For some reason the medicaid officers do not tell you

this either because they aren't trained to do it, or they just aren't told its

available until someone ask about it. YOU usually have to ask and when they say

they don't know what you are talking about you ask again, and when they still

don't know what your talking about ask to speak with a supervisor, and then go

above them if they don't know. Its there, to my knowledge all states have it,

but you have to research it and push for it yourself.

Good luck.

Alesha

10 systemic

nurse0300 <nurse0300@...> wrote:

This really hits home for us. We do have insurance coverage for

Caleb but when he was in the hospital everything that was dont there

and his room rates etc was not covered. We have a bill for 26,000

yes 26,000 this is our responsibility that they are not going to

cover we went to the state yesterday to try to get a medical card for

Caleb only they said well we cant help you until you have applied for

diability and if we do help you you will have a 4000 spend down.

Sure we all have 4000 in our back pockets with the way the economy is

right now amd gas price ugh., It really makes me angry that I KNOW

of a couple that work the same as my husband and I make the same amt

of money and have the same household size and they get WIC and

healthy start as well as a medical card for the family just does not

seem fair. I asked the lady yesterday how this could be she was like

I am not sure but you do not qualify I told her that if they could

not produce an explanation to me then it must be fraud of

descrimanation. She was like ummm I am not sure (at this time I had

sat in a chair for 2 hours going through our life history for her to

say sorry contact disability). I was getting grumpy. I finally

stood up and asked ok so what if this was you and your child and he

needs PT and insurance wont pay for it we can not afford it we have

already racked up 800 in PT bills what would you do just does not

seem fair now does it. That I have worked all of my life mind you I

have MS I could be sitting at home on my butt working the system as

other do but no I am a productive citizen I pay taxes and when we

need the help its not there for us to get. So we came home feeling

like a pair of worn out shoes that no one wants. I called social

security and we have an appt on march 20th. THat is our rant and

story!

>

> Well, I got the call today from our insurance broker that all of

our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

---------------------------------

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[Guest guest]

Try qualifying for Beckett Medicaid. The paperwork is almost endless

but children with jra do qualifiy.

**************Ideas to please picky eaters. Watch video on AOL Living.

(http://living.aol.com/video/how-to-please-your-picky-eater/rachel-campos-duffy/

2050827?NCID=aolcmp00300000002598)

[Guest guest]

Hi -

I am so sorry.... this is so incredibly frustrating! My aunt has just been

dealing with this as well... she had Cobra and it was ending. She was shopping

around and was denied coverage because she has asthma and because she has had

sinus infections / surgery. I was flabbergasted! What is it that only the

perfectly healthy can get insurance?!!!!

Anyway, I was doing a little searching and I came across this site:

http://covertheuninsured.org/

There are individual state guidelines within the site, and it looks like there

are some good resources as well. LIz's idea was also great and I hope that

somewhere, the answer comes to you. As if the illness itself were not enough to

deal with!!

Best hopes to you-

Colleen (mom to Caitlin, 9, systemic)

sonia1md <sonia1md@...> wrote:

Well, I got the call today from our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

---------------------------------

Looking for last minute shopping deals? Find them fast with Search.

[Guest guest]

I would be mad....That was not the word I wanted to use.... I asked for

secondary insurance and they all denied because of JRA o.k. like you Aubrey is

on no meds. What gives here....Terri

Denied health insurance coverage

Well, I got the call today from our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

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12:14 PM

[Guest guest]

Cynde,

It is not against the Law as Insurance Companies have the right to put a

clause in any Policy. BUT if they accept you it is a good chance you will be

ok. Just that 1 or 2 year waiting period. That's where they get us.

Robbin

**************Ideas to please picky eaters. Watch video on AOL Living.

(http://living.aol.com/video/how-to-please-your-picky-eater/rachel-campos-duffy/

2050827?NCID=aolcmp00300000002598)

[Guest guest]

Cynde,

I learned about the Insurance issues from my Sister. lololol. Plus

has had Insurance problems and my Husband with Insurance issues. It is

also

good to get Life Insurance Young as well. When you have no health issues.

Once you have a Health Issue the Life Insurance payments go sky high. But if

you end up with a Health problem you are covered no matter what.

Robbin

**************Ideas to please picky eaters. Watch video on AOL Living.

(http://living.aol.com/video/how-to-please-your-picky-eater/rachel-campos-duffy/

2050827?NCID=aolcmp00300000002598)

[Guest guest]

Thank you all for your comments. It is hard to believe that I am

dealing with a 12 year old girl who is being turned down arbitrarily

for health insurance due to a " rheumatoid condition " .

I am currently reading through all of the links that you guys have

provided me with. There has been some very good information.

Unfortunately, I realize my greatest mistake was having a " lapse " in

coverage.

I sent off my application to the state to see if there would be any

support there. I know we wont qualify for the state programs due to

income constraints so the only option would be to go through Medicare

and you have to first go through SSI for disability. I really don't

think Aundea would stand a chance in getting that service. When she

is flaring and missing 6 weeks of school we might have hope for

coverage but when she is in remission and running around looking

great, I think it will be impossible. Not to mention the fact that

we haven't been taking her to the doctor since last summer in regards

to her " rheumatoid issues " .

I have a call into the group plan with my employer. We are going to

try one more time to try and get things going through them.

If you have any other suggestions please let me know. At this point

I am willing to try about anything.

(Aundrea 12 systemic jra/gerd)

> Well, I got the call today from our insurance broker that

all of our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

> ---------------------------------

> Looking for last minute shopping deals? Find them fast with

Search.

>

>

[Guest guest]

Can your insurance broker try underwritting her " rheumatoid "

condition for a year and then the insurer accept her? Kind of like

they would cover her in general, but for anything pertaining to the

JRA they wouldn't cover-for the first year. I know that's probably

the bulk of her expense, but at least she'd be covered for other

things? I don't think you would have an issue getting her in on a

group plan though either.

Tracey and Madi (2yr, systemic)

> > Well, I got the call today from our insurance broker

that

> all of our

> > family was approved for health insurance except for Aundrea.

> >

> > We signed up for a HSA account through united health care with

> Golden

> > Rule.

> >

> > I called to find out why they denied Aundrea and she told me that

> the

> > underwriters automatically deny anyone that has a diagnosis of

> > rheumatoid. I told her that aundrea wasn't even currently on any

> > meds and that doctors have all given different opinions.

> >

> > I find it so ironic that we have struggled forever to get a

> concrete

> > diagnosis for Aundrea but apparently all of the suggested

diagnosis

> > have trailed her medical records and now I am left wondering how

I

> > will ever get her any coverage.

> >

> > If anyone has ideas, please share them with me.

> >

> > I contacted our state program today to see if maybe I could just

> get

> > her the medical coverage through them. I don't think we will meet

> > the income limits.

> >

> > (Aundrea 12 systemic jra/gerd)

> >

> >

> >

> >

> >

> >

> > ---------------------------------

> > Looking for last minute shopping deals? Find them fast with

> Search.

> >

> >

[Guest guest]

Well, I just got some good news. I spoke with the insurance guy

through our employer. Since my husband has just become eligble to

receive insurance through our company and because it's a group plan,

they have to accept Aundrea. He said that they could put a

prexisting clause on her for a year but that would only be if she had

been treated by a doctor in the last 6 months for arthritis, which

she hasn't! :-)

So, they are sending me a packet and we will see what happends next.

I sure do what to encourage any other parents that have children with

a long-term diagnosis to make sure you don't allow a lapse in your

coverage. Believe me, I know that can be easier said than done.

However after reading through some of the links that have been sent

it appears there are programs for people who have lost their jobs

etc...The greatest challenge is if your income bracket is to high and

if you have had more then 60 days of being uninsured.

I think I will see about adding some of the links that were provided

into our files section in case it might be of benefit to other list

members.

(Aundrea 12 systemic jra/gerd)

>

> Since JRA is now more commonly called JIA (Juvenile Idiopathic

Arthritis),

> perhaps a letter with the diagnosis " changed " from JRA to JIA would

help.

> Hopefully others will have better ideas.

>

>

>

> Liz

>

>

>

>

>

> _____

>

> From: [mailto: ] On

Behalf

> Of sonia1md

> Sent: Thursday, February 28, 2008 12:30 AM

>

> Subject: Denied health insurance coverage

>

>

>

> Well, I got the call today from our insurance broker that all of

our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

[Guest guest]

With the individual plan I had asked about a " writer " for a year.

She told me the underwriters will NEVER accept anyone with a

rheumatoid diagnosis. Lovely isnt it.

(aundrea 12 systemic jra/gerd)-

-- In , " ztaimw " <nsigns@...> wrote:

>

> Can your insurance broker try underwritting her " rheumatoid "

> condition for a year and then the insurer accept her? Kind of like

> they would cover her in general, but for anything pertaining to the

> JRA they wouldn't cover-for the first year. I know that's probably

> the bulk of her expense, but at least she'd be covered for other

> things? I don't think you would have an issue getting her in on a

> group plan though either.

>

> Tracey and Madi (2yr, systemic)

>

>

> > > Well, I got the call today from our insurance broker

> that

> > all of our

> > > family was approved for health insurance except for Aundrea.

> > >

> > > We signed up for a HSA account through united health care with

> > Golden

> > > Rule.

> > >

> > > I called to find out why they denied Aundrea and she told me

that

> > the

> > > underwriters automatically deny anyone that has a diagnosis of

> > > rheumatoid. I told her that aundrea wasn't even currently on

any

> > > meds and that doctors have all given different opinions.

> > >

> > > I find it so ironic that we have struggled forever to get a

> > concrete

> > > diagnosis for Aundrea but apparently all of the suggested

> diagnosis

> > > have trailed her medical records and now I am left wondering

how

> I

> > > will ever get her any coverage.

> > >

> > > If anyone has ideas, please share them with me.

> > >

> > > I contacted our state program today to see if maybe I could

just

> > get

> > > her the medical coverage through them. I don't think we will

meet

> > > the income limits.

> > >

> > > (Aundrea 12 systemic jra/gerd)

> > >

> > >

> > >

> > >

> > >

> > >

> > > ---------------------------------

> > > Looking for last minute shopping deals? Find them fast with

>

> > Search.

> > >

> > >

[Guest guest]

,

My daughter Maggie has Medicaid but it is based only

on her income, which is zero because she is 10. She

is on something that the state of Iowa provides which

is called the Ill and Handicapped Waiver.

We at first applied for SSI when she was much younger,

my husband works for UPS and has for 21 years so

obviously she does not qualify for a monthly check,

but our health insurance does not cover all of her

expences either.

She does also have OI and CP and this is why she was

accepted at first, but I think the waiver is for any

condition that is life changing. I would think JRA

would qualify.

This also allows her to have respite care. What this

does for me is amazing. She has a Respite care

provider (who we hand picked, she is a social

worker,school counseler, friend). She takes her to

movies, to get her nails done and out for dinner, or

she just sits with her when she is having a bad time

so that I can go get groceries or whatever. As much as

I love my little girl, I need a break sometimes and so

does she. We both look much better to each other when

either one of us comes back home.

The Medicaid is Secondary to our Aetna insurance, but

it still helps in big ways to cover some of those

things that are not covered by Aetna.

They also allow 5,000.00 a year for home modifications

or vehicle modifications. This is how we paid for the

wheelchair lift to be put in our van so that she could

use her power chair.

Like I said she does have other health issues, it

does not cover everything(we still have astronomical

medical bills) She spent 9 months in one year in two

hospitals, but it sure would be better then having to

pay the full amount ourselves.

I am so sorry that you or anyone else has to deal

with these issues. Having a child with a chronic

illness is enough stress all by itself!

We fought for three years to get this for Maggie, her

doctor's were a huge help. Check into waiver programs

in your state and see if there is anything there.

I don't even know how we would begin to pay for meds

if she did not have insurance!! But the waiver waves

the parents income, relies only on the child!

Diane and Maggie age 10(OI,CP,JIA Poly, inflammatory

arthritis,Uveitis)

--- sonia1md <sonia1md@...> wrote:

> Thank you all for your comments. It is hard to

> believe that I am

> dealing with a 12 year old girl who is being turned

> down arbitrarily

> for health insurance due to a " rheumatoid

> condition " .

>

> I am currently reading through all of the links that

> you guys have

> provided me with. There has been some very good

> information.

> Unfortunately, I realize my greatest mistake was

> having a " lapse " in

> coverage.

>

> I sent off my application to the state to see if

> there would be any

> support there. I know we wont qualify for the state

> programs due to

> income constraints so the only option would be to go

> through Medicare

> and you have to first go through SSI for disability.

> I really don't

> think Aundea would stand a chance in getting that

> service. When she

> is flaring and missing 6 weeks of school we might

> have hope for

> coverage but when she is in remission and running

> around looking

> great, I think it will be impossible. Not to

> mention the fact that

> we haven't been taking her to the doctor since last

> summer in regards

> to her " rheumatoid issues " .

>

> I have a call into the group plan with my employer.

> We are going to

> try one more time to try and get things going

> through them.

>

> If you have any other suggestions please let me

> know. At this point

> I am willing to try about anything.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

> > Well, I got the call today from our

> insurance broker that

> all of our

> > family was approved for health insurance except

> for Aundrea.

> >

> > We signed up for a HSA account through united

> health care with

> Golden

> > Rule.

> >

> > I called to find out why they denied Aundrea and

> she told me that

> the

> > underwriters automatically deny anyone that has a

> diagnosis of

> > rheumatoid. I told her that aundrea wasn't even

> currently on any

> > meds and that doctors have all given different

> opinions.

> >

> > I find it so ironic that we have struggled forever

> to get a

> concrete

> > diagnosis for Aundrea but apparently all of the

> suggested diagnosis

> > have trailed her medical records and now I am left

> wondering how I

> > will ever get her any coverage.

> >

> > If anyone has ideas, please share them with me.

> >

> > I contacted our state program today to see if

> maybe I could just

> get

> > her the medical coverage through them. I don't

> think we will meet

> > the income limits.

> >

> > (Aundrea 12 systemic jra/gerd)

> >

> >

> >

> >

> >

> >

> > ---------------------------------

> > Looking for last minute shopping deals? Find them

> fast with

> Search.

> >

> > [Non-text portions of this message have been

> removed]

> >

>

>

>

________________________________________________________________________________\

____

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[Guest guest]

I didn't think that was legal..I am so sorry! I will watch and see what happens

with her!

hugs,Cynde

Denied health insurance coverage

Well, I got the call today from our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

------------------------------------------------------------------------------

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Checked by AVG Free Edition.

Version: 7.5.516 / Virus Database: 269.21.1/1301 - Release Date: 2/27/2008

8:35 AM

[Guest guest]

Hugs ...poor you! Sorry to hear of your difficulty!

Hang in there!

Cynde

Re: Denied health insurance coverage

This really hits home for us. We do have insurance coverage for

Caleb but when he was in the hospital everything that was dont there

and his room rates etc was not covered. We have a bill for 26,000

yes 26,000 this is our responsibility that they are not going to

cover we went to the state yesterday to try to get a medical card for

Caleb only they said well we cant help you until you have applied for

diability and if we do help you you will have a 4000 spend down.

Sure we all have 4000 in our back pockets with the way the economy is

right now amd gas price ugh., It really makes me angry that I KNOW

of a couple that work the same as my husband and I make the same amt

of money and have the same household size and they get WIC and

healthy start as well as a medical card for the family just does not

seem fair. I asked the lady yesterday how this could be she was like

I am not sure but you do not qualify I told her that if they could

not produce an explanation to me then it must be fraud of

descrimanation. She was like ummm I am not sure (at this time I had

sat in a chair for 2 hours going through our life history for her to

say sorry contact disability). I was getting grumpy. I finally

stood up and asked ok so what if this was you and your child and he

needs PT and insurance wont pay for it we can not afford it we have

already racked up 800 in PT bills what would you do just does not

seem fair now does it. That I have worked all of my life mind you I

have MS I could be sitting at home on my butt working the system as

other do but no I am a productive citizen I pay taxes and when we

need the help its not there for us to get. So we came home feeling

like a pair of worn out shoes that no one wants. I called social

security and we have an appt on march 20th. THat is our rant and

story!

>

> Well, I got the call today from our insurance broker that all of

our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

------------------------------------------------------------------------------

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Checked by AVG Free Edition.

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12:14 PM

[Guest guest]

that is so scary! How can these insurance companys do this?????????

It has to be against the law!!!!!!!!!!!!

cynde

Re: Denied health insurance coverage

Hi -

I am so sorry.... this is so incredibly frustrating! My aunt has just been

dealing with this as well... she had Cobra and it was ending. She was shopping

around and was denied coverage because she has asthma and because she has had

sinus infections / surgery. I was flabbergasted! What is it that only the

perfectly healthy can get insurance?!!!!

Anyway, I was doing a little searching and I came across this site:

http://covertheuninsured.org/

There are individual state guidelines within the site, and it looks like there

are some good resources as well. LIz's idea was also great and I hope that

somewhere, the answer comes to you. As if the illness itself were not enough to

deal with!!

Best hopes to you-

Colleen (mom to Caitlin, 9, systemic)

sonia1md <sonia1md@...> wrote:

Well, I got the call today from our insurance broker that all of our

family was approved for health insurance except for Aundrea.

We signed up for a HSA account through united health care with Golden

Rule.

I called to find out why they denied Aundrea and she told me that the

underwriters automatically deny anyone that has a diagnosis of

rheumatoid. I told her that aundrea wasn't even currently on any

meds and that doctors have all given different opinions.

I find it so ironic that we have struggled forever to get a concrete

diagnosis for Aundrea but apparently all of the suggested diagnosis

have trailed her medical records and now I am left wondering how I

will ever get her any coverage.

If anyone has ideas, please share them with me.

I contacted our state program today to see if maybe I could just get

her the medical coverage through them. I don't think we will meet

the income limits.

(Aundrea 12 systemic jra/gerd)

---------------------------------

Looking for last minute shopping deals? Find them fast with Search.

[Guest guest]

Is there anything thru her school? My dd qualified for help through a special

program thru her elementary school. Just a thought..

cynde

Re: Denied health insurance coverage

Thank you all for your comments. It is hard to believe that I am

dealing with a 12 year old girl who is being turned down arbitrarily

for health insurance due to a " rheumatoid condition " .

I am currently reading through all of the links that you guys have

provided me with. There has been some very good information.

Unfortunately, I realize my greatest mistake was having a " lapse " in

coverage.

I sent off my application to the state to see if there would be any

support there. I know we wont qualify for the state programs due to

income constraints so the only option would be to go through Medicare

and you have to first go through SSI for disability. I really don't

think Aundea would stand a chance in getting that service. When she

is flaring and missing 6 weeks of school we might have hope for

coverage but when she is in remission and running around looking

great, I think it will be impossible. Not to mention the fact that

we haven't been taking her to the doctor since last summer in regards

to her " rheumatoid issues " .

I have a call into the group plan with my employer. We are going to

try one more time to try and get things going through them.

If you have any other suggestions please let me know. At this point

I am willing to try about anything.

(Aundrea 12 systemic jra/gerd)

> Well, I got the call today from our insurance broker that

all of our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

> ---------------------------------

> Looking for last minute shopping deals? Find them fast with

Search.

>

>

[Guest guest]

:

I hope everything works out for Drea. She deserves coverage and it angers me

that they would deny coverage to a child! Please keep us posted. Could you put

unspecified arthritis instead of JRA since you like us have been given different

answers from different doctors. Not all arthritis is rheumatoid and that way

they maybe would not deny her? Just a thought.

Beth & Hannah, 11, unspecified arthritis; asthma; gerd; migraines

Sending prayers & happy thoughts,

Beth :-)

Re: Denied health insurance coverage

Thank you all for your comments. It is hard to believe that I am

dealing with a 12 year old girl who is being turned down arbitrarily

for health insurance due to a " rheumatoid condition " .

I am currently reading through all of the links that you guys have

provided me with. There has been some very good information.

Unfortunately, I realize my greatest mistake was having a " lapse " in

coverage.

I sent off my application to the state to see if there would be any

support there. I know we wont qualify for the state programs due to

income constraints so the only option would be to go through Medicare

and you have to first go through SSI for disability. I really don't

think Aundea would stand a chance in getting that service. When she

is flaring and missing 6 weeks of school we might have hope for

coverage but when she is in remission and running around looking

great, I think it will be impossible. Not to mention the fact that

we haven't been taking her to the doctor since last summer in regards

to her " rheumatoid issues " .

I have a call into the group plan with my employer. We are going to

try one more time to try and get things going through them.

If you have any other suggestions please let me know. At this point

I am willing to try about anything.

(Aundrea 12 systemic jra/gerd)

> Well, I got the call today from our insurance broker that

all of our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

> ------------ --------- --------- ---

> Looking for last minute shopping deals? Find them fast with

Search.

>

>

[Guest guest]

Yea!!!!!!!!! I am so happy for you!

Cynde

Denied health insurance coverage

>

>

>

> Well, I got the call today from our insurance broker that all of

our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

[Guest guest]

,

We too went for one month without insurance thinking we were saving

money. Unfortunately my husband was diagnosed with Diabetes.....and my

daughter had chronic ear infections. So, really it cost us in the long

run. It is a lesson learned, but don't ever go without insurances,

especially now your daughter. Unfortunately our kids will always be in

that criteria now. A chronic disease does not leave their records

quickly.

Ray

651-340-4384 Direct line

@... <mailto:@blueribbon travel.com>

________________________________

From: [mailto: ] On

Behalf Of cynde lee

Sent: Thursday, February 28, 2008 8:19 PM

Subject: Re: Denied health insurance coverage

Is there anything thru her school? My dd qualified for help through a

special program thru her elementary school. Just a thought..

cynde

Re: Denied health insurance coverage

Thank you all for your comments. It is hard to believe that I am

dealing with a 12 year old girl who is being turned down arbitrarily

for health insurance due to a " rheumatoid condition " .

I am currently reading through all of the links that you guys have

provided me with. There has been some very good information.

Unfortunately, I realize my greatest mistake was having a " lapse " in

coverage.

I sent off my application to the state to see if there would be any

support there. I know we wont qualify for the state programs due to

income constraints so the only option would be to go through Medicare

and you have to first go through SSI for disability. I really don't

think Aundea would stand a chance in getting that service. When she

is flaring and missing 6 weeks of school we might have hope for

coverage but when she is in remission and running around looking

great, I think it will be impossible. Not to mention the fact that

we haven't been taking her to the doctor since last summer in regards

to her " rheumatoid issues " .

I have a call into the group plan with my employer. We are going to

try one more time to try and get things going through them.

If you have any other suggestions please let me know. At this point

I am willing to try about anything.

(Aundrea 12 systemic jra/gerd)

> Well, I got the call today from our insurance broker that

all of our

> family was approved for health insurance except for Aundrea.

>

> We signed up for a HSA account through united health care with

Golden

> Rule.

>

> I called to find out why they denied Aundrea and she told me that

the

> underwriters automatically deny anyone that has a diagnosis of

> rheumatoid. I told her that aundrea wasn't even currently on any

> meds and that doctors have all given different opinions.

>

> I find it so ironic that we have struggled forever to get a

concrete

> diagnosis for Aundrea but apparently all of the suggested diagnosis

> have trailed her medical records and now I am left wondering how I

> will ever get her any coverage.

>

> If anyone has ideas, please share them with me.

>

> I contacted our state program today to see if maybe I could just

get

> her the medical coverage through them. I don't think we will meet

> the income limits.

>

> (Aundrea 12 systemic jra/gerd)

>

>

>

>

>

>

> ---------------------------------

> Looking for last minute shopping deals? Find them fast with

Search.

>

>

[Guest guest]

Thanks Robbin for clariying this..it should be illegal! I have probable ms at

age 56 and heart disease and oa and other stuff. I am glad my husband has such a

stable job and will work for many more years because of health insurance. It is

such a insecure feeling knowing I would not be insurable with any change in our

life!

Cynde

Re: Denied health insurance coverage

Cynde,

It is not against the Law as Insurance Companies have the right to put a

clause in any Policy. BUT if they accept you it is a good chance you will be

ok. Just that 1 or 2 year waiting period. That's where they get us.

Robbin

**************Ideas to please picky eaters. Watch video on AOL Living.

(http://living.aol.com/video/how-to-please-your-picky-eater/rachel-campos-duffy/

2050827?NCID=aolcmp00300000002598)