Did I mention I work in the health insurance industry? Here are a few gems that I've learned are not covered by health insurance. (It varies by carrier...but check with your insurance provider before you plan on any of these...)
Felony, Riot, Insurrection
Horseback riding lessons
Illegal Activities (but just selected types of...)
Terrorism or Nuclear Release
War, related services
One plan will pay up to $1,500 for infertility treatments but then won't cover any resulting maternity costs.
Another carrier lists conditions for which you are automatically denied coverage. One such condition? Psycho-sexual killer. And pregnancy.
2 comments:
Health insurance drives me bonkers. Juliana was denied health insurance because she took 6 doses of clomid (fertility drug) 8 months before applying for coverage. Yeah, that's right, not only is infertility not covered, but when you try to get pregnant (and don't) you're still not covered. And that was just for a simple "catastrophic event" bare-bones coverage. R.E.D.I.C.U.L.O.U.S
Tell me about it. I'm really looking forward to filling out my health application for insurance through work (insert sarcasm sign). My doctors for the past few years (up until this last Christmas) put me on so many meds that they created their own problems. So now it looks like I'm a really messed up individual. Even though NOW I'm not on any meds and have been doing literally better than ever.
Also, if you've ever had breast cancer you're automatically declined for life (Even though they'll consider other cancers...) If you have a CPAP machine, you're uninsurable. And any eating disorder. It's scary.
Keep in mind though that with group coverage (through an employer) they have to accept you. They may rate you through the roof, but they have to accept you. So see if you can get on a group plan through work!
Is she still uninsured? See if there's a federal or state Health Insurance Pool (HIP). Utah already had on in place but the health care reform bill required states to offer one (I think). It covers anyone that's been turned down by other carriers. It costs a little more and doesn't cover quite as much, but it's still good to have as catastrophic insurance. We've even had one person that was declined for something mild, so they went to HIP and then HIP said, "No, you're too healty. The normal companies have to insure you." So they got good insurance. Again, rated up, but still better than getting hit by a car and have to pay a million dollars in medical fees.
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