Re: medical insurance for MDS kids

[Guest guest]

Can't you just switch to paying Kaiser out of pocket, and keep all the

current benefits? I know there was a time when we paid out of pocket for our

Kaiser coverage, but this was when was an infant, and may not have had

his

MDS diagnosis yet. He did however have the Hirschprung's diagnosis...and

had his 1st surgery at UCLA with Medi-Cal, and we ended up having to get all

his medical records and taking them to Kaiser, because we'd switched and the

Kaiser surgeons had to take over and do the last two surgeries. There was

never an issue of a " preexisting condition " or anything of that nature...

I've always had good experiences with Kaiser...if youre happy with them,

maybe you could stay with them~ I just know its getting soooo expensive to pay

out of pocket for health insurance! yikes!

~ANGEL~

Mom to 11 Mosaic Down Syndrome/Hirschsprung's Disease

Lance 15, Tyler 12, 9

Jaeda 8 & Shayne 2

[Guest guest]

Samya,

Typically when you change jobs, you have a " grace " period when you are a new

hire. Pre-existing conditions are essentially a non-issue. When your husband

is interviewing, have him check out the benifits and qualifications. Good luck!

Enjoy your time being a stay at homer. It is more challenging, at times, than

working, but with a better benifit package!!

Irene mom to Nat 10 MDS, Luke8, Emilia 5, Lilly 3, and Isaac 6 mo

samyalobue wrote:

Hi everyone! Hope all is well with everybody. I have to ask your

advise on something that is weighing heavy on my mind. It has to do

with medical insurance. When I was pregnant, my family was covered

through my job's insurance which was Blue Shield. Because of

doctor's orders, I had to go on bed rest and, although, we had the

option of going on Cobra after a while off of work it was out of the

question because of the enromous expense to cover us all. I now amy

a stay home mom. Luckily my husband had us also covered under his

health insurance policy, Kaiser Permenente, through his job. He has

been thinking of leaving his job for another higher paying job. Now,

I understand that if it is through a group policy through work they

have to accept my daughter's MDS pre-existing condition. But, if for

whatever reason, we look into purchacing our own policy we run the

risk (a huge risk) that Olivia wouldn't be covered because of the MDS

diagnosis. Olivia already is covered for Early Intervention services

and beyond through the Golden Gate Regional Center in our area. The

doctor made it so that she is covered for the rest of her life for

all therapies be it physical, social or emotional. But as far as

medical issues, what happens if we find ourselves uncovered. I guess

that our social worker through the regional center would be able to

lead us in the right direction, but I want to know if there are

alternatives to being insured other than MediCal(Medicaid). I don't

want MediCal. Does anybody know of any private insurance companies

that deal with insuring people with pre-existing conditions. Any and

all thoughts would be greatly appreciated.

God Bless

Samya and , -7 and Olivia-4mos(MDS)

Won't you please consider adding your personal story on the MDS website today?

http://www.mosaicdownsyndrome.com

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[Guest guest]

I work for Kaiser in Oregon and they do except pre-existing conditions.

When I was pregnant with my 8 yr old we switched to Kaiser when I was 6 mo

pregnant and there was never a problem, they covered everything. It's a

great place to work and also awesome insurance.

Josie mom to Farrah MDS age 4

Wyatt 8, Gage 2

Re: medical insurance for MDS kids

> Can't you just switch to paying Kaiser out of pocket, and keep all the

> current benefits? I know there was a time when we paid out of pocket for

our

> Kaiser coverage, but this was when was an infant, and may not have

had his

> MDS diagnosis yet. He did however have the Hirschprung's diagnosis...and

> had his 1st surgery at UCLA with Medi-Cal, and we ended up having to get

all

> his medical records and taking them to Kaiser, because we'd switched and

the

> Kaiser surgeons had to take over and do the last two surgeries. There

was

> never an issue of a " preexisting condition " or anything of that nature...

>

> I've always had good experiences with Kaiser...if youre happy with them,

> maybe you could stay with them~ I just know its getting soooo expensive to

pay

> out of pocket for health insurance! yikes!

>

>

>

> ~ANGEL~

>

> Mom to 11 Mosaic Down Syndrome/Hirschsprung's Disease

> Lance 15, Tyler 12, 9

> Jaeda 8 & Shayne 2

>

>

>

[Guest guest]

Hi, MDS is something a person is born with. From what I have learned an

insurance company cannot refuse or deny coverage to someone if you are born with

a

genetic disorder. a pre existing condition occurs after birth. MDS is

something unfortunately diagnosed late, but still existed at birth even if it

was not

detected.