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Pre-Existing denial's from Health Insurance Carriers

Mr. President,  First and foremost, I would like to thank you for your courage and inspiration you have given to myself and my family.   I find myself writing to you regarding the healthcare no pre-existing for denial thing... I am a 38 year old woman with 4 beautiful daughters.  I have ALWAYS had health insurance, until my husband and I divorced 3 years ago.  also, I have been diagnosed bi-polar manic with ADHD since I was in my early 20's.  Over the last 3 years of my "no insurance" life, I have continued to see my local county mental health clinic, and stayed on my meds out of my pocket.  Fast forwar to April, 2010, my ex-husband and I reconcilled our relationship and our famiily... and found a new home to move into together.  A week before we moved in, I found a lump in my breast.  Three weeks after moving into our new home, I found a lump in my other breast as well.  I applied to two different companies, BCBS, and through Farm Bureau... I have NOT been or talked to a Dr. yet because specifically I am terrified of the pre-existing thing... apparantly that was for goosd cause... I got a denial from BCBS stating specifically in black & white I am denied because of my bipolar and adhd diagnosis, and just recieved a duplicate denial letter from farm bureau for the same reasons.   I recently posted this as my status on my facebook page, This is prob not fb appropriate, but...its me, so whatev... So I haven't had health insurance for 3 years, found 2 lumpies in the girls, haven't been to the Dr. Yet, (cuz I'm freaked out & becausew no insurance), and now I try to buy insurance & I'm denied? Great... Now what am I going to do besides die from breast can...cer because I have no insurance? Seriously... Any suggestions anyone? In the 20+ responses I received, a few mwntioned I should write to you, as this one.... I thought for sure no more denials for pre-existing conditions took affect immediately upon passage of Obamacare. That doesn't mean companies aren't still trying to get away with it though. You might try the White House website and see if you find something there about how to make sure you don't get denied So..... here I write... a very scared Mom in Lenexa, KS... If you ever do actually get to read this, and have any suggestions, I can be contacted at tracigentry3@yahoo.com, or my cell is 913-378-3760...   Again, thank you for your leadership of our country, I am soooo thankful for a change!   Respectfully,   Teresa (Traci) Gentry Lenexa, Kansas

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Replies

I am Bipolar, and recently lost my job.  COBRA was astronomical in pricing, more than my rent.  I applied to a low grade insurance, that did not even cover mental health and was denied because of my bipolar disorder.  My medicines cost me 600-700 a month and I will be bankrupt in 2 months.  I have just started this journey and found this via google.  I hope something changes soon.  And I hope that the insurance companies crumble.

 

By Anonymous

VERY displeased with BCBS of Florida right now... trying to get some basic, high deductible/catastrophic only insurance (I know no one will pay my mental health costs...) and they have a perfect plan, but I'm not eligible because of bipolar disorder - something I can't change about myself.  I feel discriminated against.It sucks.

 

By Anonymous

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