Medical Insurance question

[Erin0804]

Insurance laws may vary state by state, but it is my understanding that you cannot be dropped for a "pre-existing" condition if you have had 12 months of continuous coverage. (I think this is a national regulation - try looking up COBRA). I was diagnosed with CF when I was 24, and my husband has changed jobs several times since, as well as insurance carriers. As long as you don't have a "gap in coverage," they cannot call it a pre-existing condition. For example: you have coverage now, you lose your job and do not continue your coverage for 12 months. You would then have a gap in coverage, so the next insurance company would have the ability to deny coverage for a pre-existing condition. Does that make sense?
<br />By the way, this is all information prior to the new health care legislation...I'm not sure what the new national laws dictate, but I'm sure it will be different when that all takes effect.
<br />I hope this helps a little.

 

[Rebjane]

I just want to encourage you to go forward with the testing, especially since your son's doctor is recommending it. Many parents on this forum have had to "make their case" to their pediatrician to order genetic testing.

It would be wonderful to be able to rule out CF. If it is CF, it is VERY important to start aggressive CF treatment now. Good nutrition, preventative care in CF has increased the quality as well as quantity in CF lives.

have you looked at the Cystic Fibrosis Foundation's website? It's www.cff.org. There is even a lawyer who represents CF Patients about legal health matters related to CF. She also has CF, I think her name is Beth Sufian.

One doctor said to me years ago "Knowledge is Power" That stuck with me. I know it is a frightening process; but don't let fear and denial stop you from doing the test.

 

[Rebjane]

I just want to encourage you to go forward with the testing, especially since your son's doctor is recommending it. Many parents on this forum have had to "make their case" to their pediatrician to order genetic testing.

It would be wonderful to be able to rule out CF. If it is CF, it is VERY important to start aggressive CF treatment now. Good nutrition, preventative care in CF has increased the quality as well as quantity in CF lives.

have you looked at the Cystic Fibrosis Foundation's website? It's www.cff.org. There is even a lawyer who represents CF Patients about legal health matters related to CF. She also has CF, I think her name is Beth Sufian.

One doctor said to me years ago "Knowledge is Power" That stuck with me. I know it is a frightening process; but don't let fear and denial stop you from doing the test.

 

[Rebjane]

I just want to encourage you to go forward with the testing, especially since your son's doctor is recommending it. Many parents on this forum have had to "make their case" to their pediatrician to order genetic testing.
<br />
<br />It would be wonderful to be able to rule out CF. If it is CF, it is VERY important to start aggressive CF treatment now. Good nutrition, preventative care in CF has increased the quality as well as quantity in CF lives.
<br />
<br />have you looked at the Cystic Fibrosis Foundation's website? It's www.cff.org. There is even a lawyer who represents CF Patients about legal health matters related to CF. She also has CF, I think her name is Beth Sufian.
<br />
<br />One doctor said to me years ago "Knowledge is Power" That stuck with me. I know it is a frightening process; but don't let fear and denial stop you from doing the test.