Re: adenomyosis and US
From: art fougner, md (evsono@pipeline.com)
Wed Feb 14 13:17:55 2007
A few words of warning here ...
The nine most terrifying words in the English language are, 'I'm from
the government and I'm here to help.'
Ronald Wilson Reagan
Art
At Wed, 14 Feb 2007, Meenan, Anna wrote:
>
>Yeah, it's the pits for people looking for individual coverage.
>Eventually the government is going to have to step in to the
>individual health insurance market in a big way.
>
>Anna Meenan, MD
>
>>But the point is - she should not be rated at all. Adenomyosis is
>>technicallyh NOT an ultrasound diagnosis. Therefore it is a BOGUS
>>reason for the insurance company to get more money - when the only
>>medical care in the last 18 months has been birth control pills and 2
>>visits to a dermatologist - for a funny mole and for facial hives
>>(allergy to mango sking due to cross reaction with a case of poison
>>ivy). NOt a "utilizer of services" - and the quoted reson for denial to
>>consider any policy (not even a rated one) was the adenomyosis.
>>
>>Seh thought she was going to be in California for several years so was
>>changin her NH insurance (also BCBS and not rated) to a California one.
>>Now that she knows she is leaving she wants to cancel the application
>>but to NOT have it on record that she was denied any insurance.
>>
>>She will keep her unrated NH insurance and see where her graduate school
>>takes her and look again there.
>>
>>If the "portability" provision is only if you go from group to
>>individual - then that is ludicrous. at least 35% of the people in NH
>>have individual policies: there are a LOT of very small companies and
>>self employed individuals who have to buy the individual policy because
>>that is all that is available.
>>
>>Joanne
>>
>>At Wed, 14 Feb 2007, Anna Meenan, MD wrote:
>>>
>>>My understanding of the portability provision of HIPAA is that it only
>>>applies to people transitioning from group to individual coverage, and
>>>does not apply when transitioning from one individual policy to another.
>>>California has a high risk pool, so she should be able to get insurance,
>>>though the rates will be higher. The rates are capped in the California
>>>pool though, so they won't be astronomical.
>>>
>>>--
>>>Anna Meenan, MD
>>>
>>--
>>Joanne Bulley, MD, FACOG
>>Solo gyn
>>Keene, NH USA
--
art fougner, md
"May The Wings of Liberty Never Lose a Feather." - Jack Burton
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