Crohn's and Insurance Coverage

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Regular Member

Date Joined Sep 2009
Total Posts : 212
   Posted 9/25/2009 7:38 PM (GMT -7)   
Long story short, my husband and I are shopping around for more affordable healthcare.  We pay a RIDICULOUS amount of money each month for our coverage, and have a high deductible.  My husband is self employed, therefore we do not belong to a group.  We were recently turned down by one of the carriers because of my daughter's Crohn's.  Is this going to be an ongoing thing? No one wants to insure us due to Crohn's?  My daughter's only 9. What happens when she is an adult and has her own job.  Will she never get healthcare due to this "pre-existing condition"?  What the heck?  This is making me start to root for Obama's healthcare reform ideas! He's claiming that his plan will not allow for discrimination against those with conditions.
Posts refer to my 9 year old girl
  • Started with 30 mg Prednisone, tapered off over 3 months

Then continued with:

  • Pentasa, 3 blue horse-sized capsules, 3 x daily
  • Forvia multivitamin/mineral for Crohnies
  • Coromega
  • Calcium
  • VSL#3, 2 x day
  • Custom Probiotics: 6-Strain Blend, 1 x day
  • Culturelle, 1 x day

Veteran Member

Date Joined Aug 2007
Total Posts : 990
   Posted 9/25/2009 7:49 PM (GMT -7)   
MoobyDoo said...
This is making me start to root for Obama's healthcare reform ideas! He's claiming that his plan will not allow for discrimination against those with conditions.

Your situation does stink. I don't know the answer to your question, but I do want to make sure it is stated that BOTH parties want to do away with pre-existing conditions as a means for the insurance companies to decline coverage. This is one of the FEW things upon which they all agree.

Veteran Member

Date Joined Jul 2008
Total Posts : 674
   Posted 9/25/2009 8:10 PM (GMT -7)   
Yup, you and your daughter will have this problem probably for the rest of her life, unless she finds a good job with group coverage, thats the only way I could get insurance to cover me without having to pay and outragious price.  Another option, depending on how much you and your husband make is to go on welfare, then you and your whole family would be covered under that, the only thing with that is that to qualify you litterally have to be the "typical welfare family" meaning not working hardly at all, here in PA to qualify for welfare you need to make less then $150 a MONTH.  Its ridiculous, I know.  Healthcare in the US is horrible, however I do not agree with the healthcare reform...even if I did not have insurance I still would not agree with it, its going to greatly reduce the quality of care people are currently getting.  I'd personally rather pay out of pocket to get good care, then half-***ed care for free.

Also, I don't know where your from or if every hospital does this, but when I was hospitalized when I had no insurance I applied for a patient assistance program through the hospital...they covered my bill and covered everything Crohns related for a year.

Dianogsed with Crohns: At 16 years old. 22 years old now.
Surgeries:2 Bowel Resections, Gallbladder Removed, 3 Abscess Cleanings
Current Meds: Cimzia, Methorexate, Vitamin B12 (injections), Nexium.
Next Surgery: Sept 4, 2009 to Take Down Abdominal Fistula!!  (On hold until current flare is under control, boo!)

Post Edited (MAG102886) : 9/25/2009 9:32:32 PM (GMT-6)

Elite Member

Date Joined Apr 2005
Total Posts : 14995
   Posted 9/26/2009 8:01 AM (GMT -7)   
The only way I have ever be able to get insurance is thru my job. I cannot even get life insurance because of my Crohns, except thru my job.

Also just a gentle reminder that you need to be careful with your comments about Health reform as they can get very political quickly. I will leave the previous comments, but will delete the posts if they become too political. Thanks!

11. No posts of an overtly political or religious nature OR posts promoting advocacy of particular personal, medical, legal, religious, political, or non-profit causes. The forums are intended for offering mutual personal support. Debating controversial subjects should be taken elsewhere. Limited religious references are allowed (ie. "my prayers are with you" or a brief quote as part of a larger post), but the forums should not be used to convert others.



Gail*Nanners* Co-Moderator for Crohns Disease and Anxiety/Panic Forum
Crohn's Disease for over 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium  w/Vit D, and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia, Osteoarthritis, and Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
It's scary when you start making the same noises As your coffee maker.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

New Member

Date Joined Sep 2009
Total Posts : 11
   Posted 9/26/2009 2:35 PM (GMT -7)   
I had to shop around when I was planning on being a stay at home Mom and was told by a local insurance agent that GROUP insurance CANNOT deny you b/c of pre-existing conditions just put a waiting period if they choose. But I could not find any other than group through work that would cover anything related to my crohn's....sorry?:(
Crohn's for 8 yrs;Pentasa 500mg 2-3x daily

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