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Scleroderma and insurance


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5 replies to this topic

#1 isobelle44

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Posted 01 March 2008 - 04:29 AM

I have seen a few times that it seems there is a problem with insurance once a person is diagnosed with Scleroderma. Is that so? What problems have you encountered?

#2 relicmom1

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Posted 01 March 2008 - 07:42 AM

Hello Isobell and WELCOME!! I have been lucky enough to have good health insurance thru my husband's work. even thought they have changed plans at different times, I've (KNOCK ON WOOD) never had them refuse to cover any of my testing or specialist or refuse approval for things that have to be approved before you can have them. Now, I have been denied LIFE insurance :P but oh well, I just keep plugging along.....
Peace :)
Barbara aka relicmom1

#3 peanut

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Posted 01 March 2008 - 03:53 PM

Hi. I guess it depends on what kind of insurance.

additional supplemental life: I got immediately turned down.

health: you shouldn't have any issues as long as you carry over from insurance to insurance with no lapse in coverage. If you have a lapse sclero might become a pre-existing condition the terms of which varies. Some make you wait up to 1 year before insurance will cover any thing related to a pre-existing condition.

hope this helps, peanut

You can deprive the body but the soul needs chocolate
my HMO makes me wear a helmet...

#4 andrea75

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Posted 01 March 2008 - 06:00 PM

Hi,
My uncle was recently diagnosed with scleroderma. He is getting some treatment with his insurance. However, the insurance company has denied coverage for the stem cell surgery because it is "experimental".

#5 isobelle44

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Posted 02 March 2008 - 01:00 AM

Thank you for your replies, thats the way I thought it would be.

#6 peanut

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Posted 02 March 2008 - 09:30 AM

Welcome! Andrea & Isobelle.
I'm so glad you're jumping right in and asking away....

Andrea, I hope your uncle fights and appeals his insurance. Most insurances will immediately turn down a stem cell transplant, but they DO change their mind. Just be tenacious and hope for the best. I appealed my insurance and now they ARE covering my stem cell transplant.

peanut

You can deprive the body but the soul needs chocolate
my HMO makes me wear a helmet...