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Denied Insurance Coverage because of Epilepsy?

Tue, 08/22/2006 - 23:06
First of all let me say HI to everyone at the forums! :-) I am new here, after spending hours of searching through google. I wanted to share my story with you to see if anyone has experienced similar insurance problems and maybe someone can shine some light and help me. I am 22 years old. I was on insurance with bluecross on my dad's policy, but got pregnant and since I was a full time student I had to switch to medicaid since my fiance had lost his job at the time. He started working again and I applied for BlueCross insurance in May of this year. I was on medicaid for 1 year prior to that, and on bluecross before that. Bluecross only wrote in their explanation that they had denied my insurance application because of my epilepsy since it has not been 5 years (i only had 2 occurences of seizures august 2002). Now I am without insurance and need some help. I tried calling many insurance companies but they all are 2,500 or 5K deductible, with 60-40 or 80-$2,500 out of pocket and small prescription pays etc. which are still around $200/month. If I could get on some insurance policy and pay $200 I would do that, but the problem is are they going to deny my application as well? Am I going to have 12 month pre-exisiting condition apply and have to pay around $500/month for medications for 1 year? I live with my fiance and he works and that's why I don't have medicaid any longer. My fiance has insurance but since we are not married I can't get on his insurance. My fiance works so I can't be on medicaid right? My real questions that trouble me are: Why did BlueCross deny my application? Should I try to keep calling them and hope to speak to someone who doesn't read their script in front of them and acually listens? Did they have the right to terminate my application even though I was never without insurance, and my seizure happened while I was on BlueCross? If that is all YES then is there any other insurance that I can get on? Thank you all in advance!

Comments

Re: Re: Denied Insurance Coverage because of Epilepsy?

Submitted by NocturnalPoet on Tue, 2006-09-05 - 23:15
i am wondering if anyone has anything insightful to add on the topic of insurance. how are the majority of adults getting coverage? i do read certain interesting suggestions here and there but they don't seem to apply to the masses. bluecross simply denies pre-existing conditions. it is interesting to know that your father can carry you if you can document epilepsy. i never knew that. however, that doesn't solve the problem for those of us without a working father with insurance. it's great for young folks in school, they are covered. but even they will get older and the problem is not solved. those of you with dads will one day have to face the noise alone. we need solutions. does anyone have one? some states, very few, but some have an option. but what about the rest?

Re: Re: Denied Insurance Coverage because of Epilepsy?

Submitted by Jonathan David on Fri, 2006-10-27 - 14:06
Are you just covered by Blue Cross because you are in school or are you covered just because you have seizures?

Re: Denied Insurance Coverage because of Epilepsy?

Submitted by aquila316 on Wed, 2006-09-06 - 05:53
I can tell you that I was added to a pre-existing policy with Aetna Ins about 4 months ago after being without health ins for about 7 years. I was able to get the policy with the sz's, however, no sz's or injuries resulting from them will be covered for 18 months. Basically, I can get the coverage, but nothing resulting from sz's will be covered for a year and a half. I guess it's not TOO bad, but most of the reason we would want health ins. is because of the E, so it does somewhat defeat the purpose of getting it at all. I am actually in the process of beginning to write and petition the legislature to change these laws, and make the insurance companies take better care of people with E, and I would love more feedback in this forum, because I know laws differ somewhat from state to state, and my info is coming from Florida. I hope this helps a bit, Susan

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