Re: Denied health insurance coverage

[Guest guest]

Diane,

I did sent off the application to the state already. So, I guess we

will just see what they have to say.

It was interesting to here you speak about respite service. I

coordinater respite and habilitation services and hire the staff to

provide these services. I love my job, because I know I am getting

to make a real difference in people's lives and giving them a little

ray of sunshine or at least a couple of extra hands to help out! :-)

(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]

> > >

> >

> >

> >

>

>

>

>

______________________________________________________________________

______________

> Looking for last minute shopping deals?

> Find them fast with Search.

http://tools.search./newsearch/category.php?category=shopping

>

[Guest guest]

When I spoke with the insurance broker for group plans he said that

is against federal law to deny coverage...but this only applies to

GROUP insurance. So if you aren't working for a company that has it

or for some other reason you are needing to apply for individual

insurance I guess they are allowed to deny whoever they want. I by

their statement it's clear that they will never willingly

accept " rheumatoid " patients!

Sickening isn't it.

(aundrea 12 systemic jra/gerd)-

-- In , " cynde lee " <blooms@...> wrote:

>

> 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)

>

>

>

>

>

>

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

----------

>

>

> No virus found in this incoming message.

> 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]

I did try that route. I asked her if I could just have the dr write

arthralgia " joint paint " , but she said that the chart says systemic

juvenile rheumatoid arthritis and there is no changing that.

I know that Aundrea's previous rheumy had this in her chart as well

as the first one that she had. Of course her primary doctors also

have either systemic jra or just jra. There was the pedi rheumy that

she saw twice that questioned the jra dx and said hypermobility.

It would be hard to go back and undo 5 years of medical records. The

circle of visits and specialists is just to long.

Hopefully, it will all work out getting her on the group plan.

On a positive note, she did have a very good day today! :-)

How is Miss hannah doing?

(aundrea 12 systemic jra/gerd)-

-- In , Beth Yohnk <yohnkmom@...> wrote:

>

> :

> 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]

You are so right. You can better believe I will be sharing this info

with many parents given that my line of work has me working with

parents of children who have developmental disabilites (autism, cp,

downs, cognitive delay epilepsy). other long-term dx that will

follow them forever!

sonia (aundrea 12 systemic jra/gerd)-

-- In , " Ray " <leslie@...> wrote:

>

> ,

>

> 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]

,

In my world then, you are right up there next to

God!!

Maggie is not my only child and my other children

(even though they are much older) need me to be there

for them sometimes too!

She has had the waiver since she was 4 and we have

had the same woman taking care of her since then

also.

I will admit at first it was very hard to leave her,

I didn't think anyone could care for her as well as my

husband her older sisters or I could. I know now that

is not the case, we take care of her much better now

because we have a break once and awhile.

She also loves to have " Trish " come to visit or take

her out without us hovering over her! It is an awesome

plan all the way around!!

Good luck with everything! You and your family are

in our prayers!

Diane and Maggie age 10 (OI,CP, Poly

JIA,Inflammatory Arthritis,Uveitis)

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

> Diane,

>

> I did sent off the application to the state already.

> So, I guess we

> will just see what they have to say.

>

> It was interesting to here you speak about respite

> service. I

> coordinater respite and habilitation services and

> hire the staff to

> provide these services. I love my job, because I

> know I am getting

> to make a real difference in people's lives and

> giving them a little

> ray of sunshine or at least a couple of extra hands

> to help out! :-)

>

> (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

>

=== message truncated ===

________________________________________________________________________________\

____

Be a better friend, newshound, and

know-it-all with Mobile. Try it now.

http://mobile./;_ylt=Ahu06i62sR8HDtDypao8Wcj9tAcJ

[Guest guest]

SOnia

Does your employer offer insurance? I believe that if it is through your

employer, they cannot deny anyone in your family coverage. It is the individual

plans through brokers that can deny coverage.

I think others have already chimed in, but do visit your FSSA office and even

contact your senators/congressman about your plight.

and Rob 18 JAS

Re: Denied health insurance coverage

> ,

> In my world then, you are right up there next to

> God!!

> Maggie is not my only child and my other children

> (even though they are much older) need me to be there

> for them sometimes too!

> She has had the waiver since she was 4 and we have

> had the same woman taking care of her since then

> also.

> I will admit at first it was very hard to leave her,

> I didn't think anyone could care for her as well as my

> husband her older sisters or I could. I know now that

> is not the case, we take care of her much better now

> because we have a break once and awhile.

> She also loves to have " Trish " come to visit or take

> her out without us hovering over her! It is an awesome

> plan all the way around!!

> Good luck with everything! You and your family are

> in our prayers!

>

> Diane and Maggie age 10 (OI,CP, Poly

> JIA,Inflammatory Arthritis,Uveitis)

>

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

>

> > Diane,

> >

> > I did sent off the application to the state already.

> > So, I guess we

> > will just see what they have to say.

> >

> > It was interesting to here you speak about respite

> > service. I

> > coordinater respite and habilitation services and

> > hire the staff to

> > provide these services. I love my job, because I

> > know I am getting

> > to make a real difference in people's lives and

> > giving them a little

> > ray of sunshine or at least a couple of extra hands

> > to help out! :-)

> >

> > (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

> >

> === message truncated ===

>

>

>

>

>

________________________________________________________________________________\

____Be a better friend, newshound, and

> know-it-all with Mobile. Try it now.

> http://mobile./;_ylt=Ahu06i62sR8HDtDypao8Wcj9tAcJ

>

>

>

[Guest guest]

Hi :

Let's hope your latest paperwork will get her covered. I also thought with a

group plan they can't single out one person. When Mike changed employers almost

12 years ago we changed insurance. I was already pregnant with Hannah at the

time and of course we disclosed that she was an asthmatic. It was never

challenged. Then three or four years later the health company we were using

closed down and we switched to United Healthcare and again we were not denied.

I've heard of people with asthma being denied, which is so ridiculous. Anyway,

I hope the group coverage comes through.

Hannah is hanging in there. She is gearing up for her shows next weekend.

Since she has been flaring, I'm a little worried what that will mean for her.

She has a show on Thursday night; 3 on Friday; 2 on Saturday and one Sunday

afternoon. I just hope her knees and/or ankles don't give out on her.

Otherwise we are trying to stay warm and are REALLY tired of snow. I know this

is Wisconsin, but this winter has been ridiculous. I think I found a genetics

doctor also that might be a good fit. The problem is, he's in Cincinnati, so I

have to find out how insurance works out of state.

Glad Drea had a good day. Tell her Hannah loved her website and once her shows

are over next weekend, she'll be back on line again. Hugs to both of you!!

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]

If she hasn't been treated for the last six months, according to what I

read at that HIPPA website, they cannot consider it a pre-existing

condition. At least that is the way I read that. If you have not yet

checked that site out, please do. I am not sure if it only applies to

people getting insurance through work, or just insurance in general.

I'll keep reading. Michele ( 20, spondy)

________________________________

From: [mailto: ] On

Behalf Of sonia1md

Sent: Thursday, February 28, 2008 4:11 PM

Subject: 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]

,

We are trying to get things worked out through my employer. I was

past the the open enrollment date but my boss is helping me work

around this by doing it through Bob, since he was recently hired on

with my agency.

Of course this whole things has me thinking down the road. I

remember this came up when Rob went off to college and he had to take

so many credits in order to be on your insurance.

What happens if a child isn't able to be a " full-time " college

student?

(aundrea 12 systemic jra/gerd)--

- In , snooksmama@... wrote:

>

> SOnia

> Does your employer offer insurance? I believe that if it is through

your employer, they cannot deny anyone in your family coverage. It is

the individual plans through brokers that can deny coverage.

> I think others have already chimed in, but do visit your FSSA

office and even contact your senators/congressman about your plight.

> and Rob 18 JAS

>

> Re: Denied health insurance coverage

>

>

> > ,

> > In my world then, you are right up there next to

> > God!!

> > Maggie is not my only child and my other children

> > (even though they are much older) need me to be there

> > for them sometimes too!

> > She has had the waiver since she was 4 and we have

> > had the same woman taking care of her since then

> > also.

> > I will admit at first it was very hard to leave her,

> > I didn't think anyone could care for her as well as my

> > husband her older sisters or I could. I know now that

> > is not the case, we take care of her much better now

> > because we have a break once and awhile.

> > She also loves to have " Trish " come to visit or take

> > her out without us hovering over her! It is an awesome

> > plan all the way around!!

> > Good luck with everything! You and your family are

> > in our prayers!

> >

> > Diane and Maggie age 10 (OI,CP, Poly

> > JIA,Inflammatory Arthritis,Uveitis)

> >

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

> >

> > > Diane,

> > >

> > > I did sent off the application to the state already.

> > > So, I guess we

> > > will just see what they have to say.

> > >

> > > It was interesting to here you speak about respite

> > > service. I

> > > coordinater respite and habilitation services and

> > > hire the staff to

> > > provide these services. I love my job, because I

> > > know I am getting

> > > to make a real difference in people's lives and

> > > giving them a little

> > > ray of sunshine or at least a couple of extra hands

> > > to help out! :-)

> > >

> > > (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

> > >

> > === message truncated ===

> >

> >

> >

> >

> >

______________________________________________________________________

______________Be a better friend, newshound, and

> > know-it-all with Mobile. Try it now.

> > http://mobile./;_ylt=Ahu06i62sR8HDtDypao8Wcj9tAcJ

> >

> >

> >

>

>

>

[Guest guest]

Hi ,

I haven't posted in a very long time, but I had posted a couple of

years ago when we were having a very hard time trying to get Humira

for our daughter. We ended up going to our County Assistance Office

and learned that children in PA with chronic conditions can get a

Medicaid card regardless of income. My husband and I both work full-

time with good salaries, so we were really surprised that she

qualified. We had to provide a bunch of information, even income

information, but they have a process where they reject you based on

income but then do a medical review to assess medical disability.

has no physical limitations, and the Systemic JRA diagnosis

was enough to qualify. Check with your assistance office to see if

they have a program like that in your state.

I know insurance issues can be very frustrating and discouraging.

Take care, and I hope you find the answer soon!

Sophie

> > > > > >

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

> > > > > > insurance broker that

> > > > > > all of our

> > > > > > > family was approved for health insurance

> > > > except

> > > >

> > > === message truncated ===

> > >

> > >

> > >

> > >

> > >

>

______________________________________________________________________

> ______________Be a better friend, newshound, and

> > > know-it-all with Mobile. Try it now.

> > > http://mobile./;_ylt=Ahu06i62sR8HDtDypao8Wcj9tAcJ

> > >

> > >

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