Women who own individual healthcare policies, please take note. Should you become pregnant in the future, your individual healthcare policy might not cover your pregnancy.
A recent article in the Los Angeles Times by Michelle Andrews was revealing. Andrews described the plight of a North Carolina biology teacher who subsequently left teaching after the birth of her twins. She became a small business owner and was covered under individual health insurance policies. However, when she became pregnant again, she had a rude awakening. Despite paying an insurance premium of $400 per month, her pregnancy wasn’t covered unless she had paid for a special rider, prior to becoming pregnant. Since half of all pregnancies are “unplanned” how can you pay for coverage six months in advance of an unplanned event?
On October 12, 2010, the Committee on Energy and Commerce produced a dismal report that revealed a total disregard and absence of concern for pregnant women and their unborn babies by the insurance industry. The Committee’s chairmen, Congressmen Henry Waxman and Bart Stupak revealed the following: Read more »
*This blog post was originally published at Dr. Linda Burke-Galloway*
Thanks to reader “m.scott” for alerting me to the latest Corporate Hall of Shame award. Blue Cross and Blue Shield (BCBS) of Texas is the winner for it’s egregious denial of care for a 10-day-old baby who was born with a congenital heart defect. Coverage for surgery to treat transposition of the great arteries was denied for — are you ready for this — a “pre-existing condition.” The baby’s parents had previously purchased coverage for their two other children, but were denied coverage for their newborn baby.
Denial of care for children will not be allowed when the new healthcare reform laws go into effect. Until then, it’s business as usual for the likes of BCBS of Texas.
*This blog post was originally published at EverythingHealth*
The healthcare reform bill “doesn’t fix everything that’s wrong with our health care system, but it moves us decisively forward,” said the President. Insurance companies will be under government regulations, coverage can’t be denied based on pre-existing conditions, and the bill is signed.
Wait…coverage can’t be denied based on pre-existing conditions?
According to this New York Times editorial, “The biggest difference for Americans who have employer-based insurance is the security of knowing that, starting in 2014, if they lose their job and have to buy their own policy, they cannot be denied coverage or charged high rates because of pre-existing conditions. Before then, the chronically ill could gain temporary coverage from enhanced high-risk pools and chronically ill children are guaranteed coverage.”
I’ve always wanted to take that leap and run my own business. I enjoy working in new media and healthcare, I like working hard, but what kept me from making a bold move was pure and unadulterated fear. Read more »
*This blog post was originally published at Six Until Me.*
Charming, if true. I’m so glad we have Ben Nelson and Blanche Lincoln working tirelessly on the Hill to protect and preserve the insurance companies and their profits.
Christina Turner feared that she might have been sexually assaulted after two men slipped her a knockout drug. She thought she was taking proper precautions when her doctor prescribed a month’s worth of anti-AIDS medicine.
Only later did she learn that she had made herself all but uninsurable.
Turner had let the men buy her drinks at a bar in Fort Lauderdale. The next thing she knew, she said, she was lying on a roadside with cuts and bruises that indicated she had been raped. She never developed an HIV infection. But months later, when she lost her health insurance and sought new coverage, she ran into a problem. Read more »
*This blog post was originally published at Movin' Meat*