We switched insurance to get the local provider we wanted...I did not put Lyme nor Hashimoto's for pre-exisiting because my regular provider denied I had it. I had gone to new insurance company's provider for a 2nd opinion, even though at the time they were out of network, and they, of course also denied I had it. THIS IS IN MY RECORDS
But still, the new insurance company is excluding coverage for Lyme and Hashimoto's! So none of these ducks thinks I have or ever had it but they won't cover me for it!!!! Logical huh?
Oh well I paid for all the original treatment from LLMD out of pocket anyway and I survived. If I have a relapse the same will have to be.
Julie
Posted by lymednva (Member # 9098) on :
That is precisely why I haven't pushed my son to go to my LLMD yet. He's on COBRA and will be without insurance unless he gets a job with benefits by the end of the year.
He already has a huge pre-existing condition that he cannot ignore, or just take time off from dealing with. Luckily he is in a county program that can provide his meds at reduced prices if he loses his coverage.
Posted by Aniek (Member # 5374) on :
Insurance companies will deny coverage wether or not you've been treated for it. If you have the condition before coverage begins, they consider it pre-existing.
But, if you got a new infection...
Posted by bettyg (Member # 6147) on :
Posted by Kayda (Member # 10565) on :
I thought the insurance denied it existed and then used the diagnosis to deny you a policy. That happened to someone I know. Theirs was a self-employed policy.
Posted by Aniek (Member # 5374) on :
The entire insurance business model is built on paying as few claims as possible. In the private market, the companies sell plans that don't provide you coverage so you leave after about a year.
It takes 6 months to a year for people to get up to full use of insurance, so this ensures most of the people on the plan are never using it. The deny coverage for an pre-existing condition, because that ensures that they don't pay during that time.
Posted by Michelle M (Member # 7200) on :
It's a pretty clever game the insurance companies have going.
With full political support, of course.
Case in point:
You get (around these parts) only one month of IV, because one month of IV cures lyme disease. PERIOD.
So in theory, after one month EVERYONE is cured.
However, if you lose your insurance EVER, no one will ever re-insure you.
In my case, I've been give three reasons -- by multiple insurers:
previous lyme previous MS previous migraines
These days, if you've had so much as a zit, they'll find a way to deny you insurance. It is increasingly unavailable to most Americans, except through employers. If a month "cured" me, how could I possibly be a risk any longer??
I am going to really love watching insurance companies go DOWN. SOON.
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