Chronic lyme disease is on the list of uninsurable diseases in North Carolina. I was told by 2 pharmacists and 2 vets one in Mountains and one in Southport, both said North Carolina does not have Lyme. So how come it is one the list with an insurance company that only takes high risk patients, and Chronic lyme is on the list next to heart attacks. I thought chronic lyme doesn't exist?????????
[ 11-30-2011, 10:23 AM: Message edited by: stymielymie ]
Posted by outerspace1226 (Member # 34274) on :
I am new to this lyme thing but why no lawsuits? Is the IDSA that powerful? From what I know, it's the same in Ohio. Pretty cut and dry it seems. I really hope this whole thing reaches critical mass. Even my LLMD says it's too big of a fight. They aren't GOD for Christ's sake.
Posted by Lymetoo (Member # 743) on :
Yep.. about 7yrs ago I was denied long term care because of Lyme.
Lyme only exists where they tell us there are ticks.
I got bit in Alaska
but there are no ticks in Alaska
therefore, I can't have Lyme.
That is why chronic lyme does not exist. If you can't have Lyme, how can you have it chronic?
Posted by Catgirl (Member # 31149) on :
Lyme disease is spreading faster than Aids.
Part of the problem is that most people don't even know they have it. So many people around me have it and don't even realize it. Whenever I've tried explaining it to them, they don't want to believe it. Face it, no one wants to join this club.
For some people, lyme can lay dormant for 10 or 15 years. All it takes is an accident or stress and, poof, it comes out.
Watch "Under Our Skin". I think you can get it from Hulu for free (or amazon has it).
Also, the book: "Cure Unknown" explains a lot. Really good book!
Posted by stymielymie (Member # 10044) on :
cargirl i have had lyme disease for 20 years and have been on this site for at least 10 this was just to make a point. i am in recession for 7 years and do not show up here much. i am the infamous docdave, and yes i am a dr.
Posted by Keebler (Member # 12673) on :
- Heigh-HO, there Mattie Doc Dave!
Thanks for that detail. It's sad but important to know these things.
Though it was just a basic policy through my bank, a few years ago
my life insurance was revoked because of lyme, babesia, or porphyria (as a liver condition).
They would not say which but since I was still in the 2-year window after application, they canceled my policy and sent me back my payments.
My mistake was having called them for a basic question about coverage and then they took a stronger look.
They said that, although I was upfront in the application and phone interview, their staff person should have never approved me.
Since it was not intent to defraud, had I slid past for 2 years, they would not have been able to cancel for their oversight.
Each policy is different, of course, regarding all this. -
Posted by WheelWatcher (Member # 34223) on :
I just looked at the list of uninsurable diseases in nc. Crazy that "chronic lyme" is listed but not regular old "lyme disease". Maybe because since they say there is no "lyme disease" in nc, and no doctors want to treat for it even early, those patients are all getting chronic lyme!
Posted by WheelWatcher (Member # 34223) on :
BTW a side note, although it is not on that list we were referencing, insurance companies in NC have used domestic violence as a "pre-existing condition" to justify not paying for services for women & kids who were injured by domestic abuse.
The things insurance companies do to make those millions of dollars are quite sickening...........
Posted by koo (Member # 30462) on :
Tutu, you said you were denied long term care 7 years ago.....just curious whether you were able to come up with anything since then as this is something I need to work on as well.
Posted by Lymetoo (Member # 743) on :
Nope. I didn't think it would do any good. This was a group plan and they are the easiest to get coverage with.
Couldn't afford the payments anyway. Sigh.
Posted by stymielymie (Member # 10044) on :
Presumptive Medical Condition List
Effective October 1st, the Presumptive Medical Condition List for automatic acceptance will be expanded for the IH - Federal Option. To streamline the eligibility process, Inclusive Health has added several conditions which will make qualifying for the Federal Option easier for the individual. The applicant must submit a letter from a medical provider to verify the diagnosis.
Please remember that qualifying with one of the Presumptive Medical conditions is only ONE of the ways that the individual may qualify for the Inclusive Health Federal Option, you can also qualify with a denial for a pre-existing condition or a policy with a conditional rider.
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