Re: insurance question ... (OT)

[Guest guest]

Every insurance co we contacted immediatly rejected when they found

out about his autism.

Ann in Memphis

[Guest guest]

We just changed insurances. Fortunately we did it under a business so that

it was still group insurance. Do not let one policy lap when you change. By

that don't let one policy run out and be without for awhile and then try to

get individual insurance. They may not accept your child or will upp your

rates. We also were told to be cautious about revealing autism as a

diagnoses. We just described--seizures, speech delays, etc. Can you get

group insurance? They have to accept the families/people in the group. With

private insurance they don't.

This is what I was told. We live in PA.

Is your child eligible for SSI? If so then you can get the insurance for

your child that comes with SSI and that will pay for therapies.

ElaineF

>

[Guest guest]

Years ago, my husband went from COBRA coverage from his prior employer to

Blue Cross Individual (ie, we paid for it) coverage and I must say, that

individual coverage was the pits. We paid for a family of four, but after

we had discontinued the COBRA coverage and it was too late to go back, we

found that we really had coverage for 2 1/2. (Our son didn't yet have any

DX, so he was fully covered! ) But my daughter had NO coverage because she

had had pneumonia twice the winter she was two (never hospitalized, only

caught because we had a sharp pediatrician) so they wouldn't cover her even

if she broke her leg...go figure...and I had endometriosis, so was excluded

from ANY gynecological coverage, even annual exams, yeast infections, etc.

We breathed a huge sigh of relief when my husband went back to being an

employee with benefits.

FWIW

Lorilyn