Topic: Chronic lyme disease???? high risk for insurance
stymielymie
Frequent Contributor (1K+ posts)
Member # 10044
posted
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?????????
posted
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.
Posts: 147 | From youngstown | Registered: Oct 2011
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-------------------- --Lymetutu-- Opinions, not medical advice! Posts: 96222 | From Texas | Registered: Feb 2001
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Dogsandcats
Frequent Contributor (1K+ posts)
Member # 28544
posted
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?
-------------------- God will prepare everything for our perfect happiness in heaven, and if it takes my dog being there, I believe he'll be there.
Billy Graham Posts: 1967 | From California | Registered: Oct 2010
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Catgirl
Frequent Contributor (5K+ posts)
Member # 31149
posted
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!
-------------------- --Keep an open mind about everything. Also, remember to visit ACTIVISM (we can change things together). Posts: 5418 | From earth | Registered: Mar 2011
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stymielymie
Frequent Contributor (1K+ posts)
Member # 10044
posted
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.
Posts: 1820 | From Boone and Southport, NC | Registered: Sep 2006
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Keebler
Honored Contributor (25K+ posts)
Member # 12673
posted
- 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. -
Posts: 48021 | From Tree House | Registered: Jul 2007
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posted
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!
-------------------- IgM ++41, IND 31, 34, 39, 83-93 IgG IND 41
"To the world you may be one person, but to one person you may be the world." - unknown Posts: 72 | From NC | Registered: Sep 2011
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posted
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...........
-------------------- IgM ++41, IND 31, 34, 39, 83-93 IgG IND 41
"To the world you may be one person, but to one person you may be the world." - unknown Posts: 72 | From NC | Registered: Sep 2011
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posted
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.
Posts: 478 | From Third Coast | Registered: Feb 2011
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posted
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.
-------------------- --Lymetutu-- Opinions, not medical advice! Posts: 96222 | From Texas | Registered: Feb 2001
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stymielymie
Frequent Contributor (1K+ posts)
Member # 10044
posted
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.
Abnormal heart rhythm or palpitations Abnormal lipids including high cholesterol or triglycerides treated with medications ADD or ADHD treated with medication AIDS/HIV Alcohol, drug or substance abuse or dependency Allergist visit or immuno therapy injection within last 12 months Alzheimer's Disease Amyotrophic Lateral Sclerosis (Lou Gehrig�s Disease) Aneurysm Angina Pectoris Angioplasty Ankylosing Spondylitis Anorexia or Bulimia Anxiety/stress/panic disorder Aplastic Anemia Arteriosclerosis Arthritis, such as inflammatory arthritis Asthma treatment or medication within last 24 months Bipolar disorders Brain damage Breast biopsies more than 2 in 5 years Cancer (except skin) treated or diagnosed in past 5 years Cardiac bypass surgery Cardiomyopathy Cataracts or glaucoma Cerebral Palsy Cerebral shunt placement Chiropractic or physical therapy treatment more than 5 times in last yr Chronic bronchitis Chronic fatigue Chronic hepatitis B, C or D Chronic kidney disease Chronic lyme disease Chronic Obstructive Pulmonary Disease Chronic Pancreatitis Cirrhosis of the Liver Cochlear implant Colitis, Crohn's, irritable bowel syndrome, inflammatory bowel disease, familial polyposis Congestive Heart Failure (CHF) Connective tissue disorder Coronary Heart Disease Coronary Insufficiency Cystic Fibrosis Deep venous thrombosis (DVT) Dementia Depression Diabetes � Type I or Type II Disc disorder treatment including surgery or injection therapy in last year Diverticulitis Down's syndrome Emphysema Endometriosis, uterine fibroids Epilepsy, or seizure disorder Epstein Barr End stage renal disease ESRD) Fibromyalgia Friedreich�s Ataxia Gall bladder disease with gall stones but without removal of gall bladder Gastric bypass or gastric restrictive procedures like lap band Gastro esophegeal reflux disorder treated with medication or surgery Heart valve replacement Hemochromatosis Hemophilia Hodgkin�s Disease Huntington�s Chorea Hydrocephalus Hypertension Interstitial lung disease Kidney disease being treated with medications such as Procrit, or Epogen Kidney Disease requiring dialysis Kidney or bladder stones Knee, hip or joint replacement recommended or existing Leukemia Lupus Erythematosus Disseminate Major Organ Transplant Malignant Lymphoma Melanoma Migraines or chronic headaches treated with medication Mitral valve prolapse Motor/ Sensory Aphasia Multiple or Disseminated Sclerosis Muscular Dystrophy Myasthenia Gravis Myocardial Infarction (heart attack) Myotonia Obsessive Compulsive Disorder Open Heart Surgery Organ transplant Osteoarthritis Osteoporosis Other immune deficiency disorders Pacemaker Paget�s Disease Paralysis Paraplegia or Quadriplegia Parkinson�s Disease Peripheral vascular disease (PVD) Permanent colostomy/ileostomy Polio Polyarteritis (periarteritis nodosa) Polycystic kidney disease Primary Cardiomyopathy Progressive Systemic Sclerosis (Scleroderma) Prostate disorders, including enlarged prostate, benign prostatic hypertrophy or elevated PSA Psoriasis moderate or severe Psoriatic Arthritis Psychotic Disorder Pulmonary hypertension Raynaud�s Disease Rheumatoid Arthritis Schizophrenia Sexually Transmitted Disease including chlamydia, genital warts, gonorrhea, syphilis or Human Papilloma Virus Sickle Cell Sleep apnea Spinal fusion Stroke(CVA) Suicide Attempt Syringomyelia Tetralogy of Fallot Thalassemia major Tobacco use within last 12 months Transient ischemic attack Valvular heart disease Von willebrand's Wilson�s Disease
Posts: 1820 | From Boone and Southport, NC | Registered: Sep 2006
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