Guest guest Posted May 4, 2004 Report Share Posted May 4, 2004 I have never had to go thru what I am going thru right now. We recently lost the health insurance on Kaitee, we had the state insurance, but because of income and lost of a dependant we no longer qualify... so I have been on a hunt... I have met and intently educated quite a few sterotype people in the last week, and try doing this without a attitude is hard. The one I spoke to today is at least going to look into things to see if she cant be covered somehow. the subject of pre existing conditions always comes up on these darn applications lol, and down syndrome seems to be a instant rejection... and I am ready to scream. Today I actually got my other daughter covered, only because I have pretty much exhausted the list and did control my anger over peoples reaction to Kaitee... the truth is I dont understand why she cant be covered.. she has no physical problems due to MDS, other then hearing aides which most insurance companies do not cover anyhow...she sees no specialist and all her therapies are covered in school. Today the guy told me that it wasnt possible for her to have DS, after looking at a picture and hearing of her physical capabilities.. that she should of never been labelled, and I was doing her more harm then good... well he got a MDs education and changed his outlook, or maybe he didnt , maybe he just took my money and got out or here lol... it just really angers me anymore, when people hear down syndrome and they automatically think blob... debbi mom to kaitee Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 4, 2004 Report Share Posted May 4, 2004 Debbi.. Thats terrible that you have to hunt for coverage like that...and then deal with peoples attitudes!! UGH! Angel Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 5, 2004 Report Share Posted May 5, 2004 Debbi, I am an underwriter for an insurance company. What state do you live in? Maybe I could make a few calls for you and see whats up? MOM to Ariel 10 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 5, 2004 Report Share Posted May 5, 2004 Debbi, What about the law of " pre-existing conditions " ? I thought there was a new law that said they couldn't refuse you for pre-existing conditions. I do have a question for you...When you began your search of insurance, did you say that Kaitee had Ds or MDS? I agree that if she doesn't have any heart conditions, it shouldn't be a problem for them, but then again, people WITH heart conditions should be able to get insurance as well. Kristy uwittlebutt2 wrote: I have never had to go thru what I am going thru right now. We recently lost the health insurance on Kaitee, we had the state insurance, but because of income and lost of a dependant we no longer qualify... so I have been on a hunt... I have met and intently educated quite a few sterotype people in the last week, and try doing this without a attitude is hard. The one I spoke to today is at least going to look into things to see if she cant be covered somehow. the subject of pre existing conditions always comes up on these darn applications lol, and down syndrome seems to be a instant rejection... and I am ready to scream. Today I actually got my other daughter covered, only because I have pretty much exhausted the list and did control my anger over peoples reaction to Kaitee... the truth is I dont understand why she cant be covered.. she has no physical problems due to MDS, other then hearing aides which most insurance companies do not cover anyhow...she sees no specialist and all her therapies are covered in school. Today the guy told me that it wasnt possible for her to have DS, after looking at a picture and hearing of her physical capabilities.. that she should of never been labelled, and I was doing her more harm then good... well he got a MDs education and changed his outlook, or maybe he didnt , maybe he just took my money and got out or here lol... it just really angers me anymore, when people hear down syndrome and they automatically think blob... debbi mom to kaitee Won't you please consider adding your personal story on the MDS website today? http://www.mosaicdownsyndrome.com ************************************************* Become a member of IMDSA at http://www.imdsa.com ************************************************* MDS MESSAGE BOARD - http://www.mosaicdownsyndrome.com/discus ************************************************* Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 5, 2004 Report Share Posted May 5, 2004 In a message dated 5/5/2004 9:44:32 AM Eastern Daylight Time, imdsapresident@... writes: > What about the law of " pre-existing conditions " ? I thought there was a new law that said they couldn't refuse you for > pre-existing conditions. Kristy, Different states have different laws...IE New York is great...South Carolina is horrible. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 5, 2004 Report Share Posted May 5, 2004 In a message dated 5/5/2004 9:44:32 AM Eastern Daylight Time, imdsapresident@... writes: > What about the law of " pre-existing conditions " ? I thought there was a new law that said they couldn't refuse you for > pre-existing conditions. Kristy, Different states have different laws...IE New York is great...South Carolina is horrible. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 6, 2004 Report Share Posted May 6, 2004 We live in land. And from what I am hearing the law just doesnt seem to apply to us. I use MDS not DS and only because they will find it in her medical records. the one I talked to and actually put a application in for my other daughter was going to check out to see if they wouldnt cover Kaitee for what I wanted it for... security that if she does get sick, falls breaks a bone I will have coverage... I showed him her picture, we talked about her... he didnt buy the different forms of DS , but insisted that it sounded like Kaitee had been misdiagnoised and the doctors just wanted to label her... He told me to have her retested and see for myself lol... good thing I have a sense of humor trust me... I explained to him that Kaitee has had very few medical problems, does not see specialist other then a audiologist , she is just like anyother kid out there...the problems MDS cause are not treated with doctors ... she has her therapies in school, last year she went for her yearly physical , her ped did teh necessary blood testing (because I pay outta my pocket even though we had medical assistance) .. she went to the audiologist, which is thru the school so there is no charge except for earmolds... medical assistance picked this up (30.00 charge) ... she has had her eyes checked twice, and new glasses both times... both times I paid out of my pocket, because I wanted to take her to the doctor of my choice........and that is it... she takes allergy meds, but her ped gives me samples of them and I never fill a prescription.... but instead of looking into this they focus on the down sydnrome, refusing to see that it isnt sterotype... and call me and tell me down syndrome isnt insurable.. of course I roll my eyes and say how about kaitee then...maybe I will try applying without telling them.. this year she needs new hearing aides... but that will be taken care of ... I bought the last ones , somehow I will do it this time too.. We are self employed, and my husband has a heart condition which makes it difficult to get a policy ... he gets treated thru a hospital that picks up all the costs , as long as he allows his infromation to be used for teaching .. seems fair to us lol. his meds are provided free of charge. I can get on another insurance thru the government for Kaitee... it is called MITP or something like that... but to cover her it will cost 325.00 per month... and it doesnt provide a great coverage either... this is for uninsurable people... I just have to take a step back a deep breath and gung ho... find a way to remeady this situation lol... debbi Quote Link to comment Share on other sites More sharing options...
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