Health Insurance

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Regular Member

Date Joined Oct 2007
Total Posts : 259
   Posted 6/9/2009 2:21 PM (GMT -7)   
Have any of you applied for individual health insurance and not been declined because of lyme?  If so, who was the insurance company?

Forum Moderator

Date Joined May 2007
Total Posts : 35859
   Posted 6/10/2009 7:16 AM (GMT -7)   
Heck!!! I've been turned away from docs - at least with the health insurance co's I'm better prepared to be turned away!!
- Traveler

Regular Member

Date Joined Sep 2007
Total Posts : 176
   Posted 6/10/2009 10:02 AM (GMT -7)   
I've been turned down by Aetna, blue Cross and United Healthcare.

Veteran Member

Date Joined Apr 2009
Total Posts : 1304
   Posted 6/10/2009 7:53 PM (GMT -7)   
Is this legal? I'm seeing $$ signs....
Lyme in NC in 1971? Suspect TBI: Fully engorged tick followed by high fever and tonsillitis. Follwed by , lumps on neck,  chronic tonsillits w/ constant low grade to recurring high (104) fevers, severe unexplained neck stiffness and acute neck pain.   Followed by tonsillectomy, urinary tract infections, miscarriage, appendicitis while pregant, chronic severe back pain. Followed by depression, mild anxiety, mitral valve prolapse, and hypglycemia.  What was this??
Bit again couple of times, lyme suspect bite Mother's Day 2007. Bite, symptoms, lyme specific antibodies on the most lyme specific band of all = 39 IgG.  Still awaiting appt w/ LLMD.

Regular Member

Date Joined Oct 2007
Total Posts : 259
   Posted 6/10/2009 8:24 PM (GMT -7)   
Not sure what you're referring to, but I'm asking because I was just declined by one individual health insurer and it seems probable the rest I am applying to will do the same.

Regular Member

Date Joined Oct 2007
Total Posts : 259
   Posted 6/13/2009 9:01 AM (GMT -7)   
Wow - I received the letter explaining the declination from the health insurer - referencing simply history of lyme treated with antiobiotics and lipoma. No other reason given. While I can't necessarily blame them for not wanting to insure lyme, their emphasis on the antibiotic treatment is crazy. Those treatments of oral antibiotic probably cost a few hundred dollars, tops- pennies compared to the thousands of dollars of ER visits, MRIs, cat scans etc ordered by doctors trying to help me figure out the problem in the years it took before getting a lyme diagnosis. Of course, they don't know about all that, because their health insurance application, while comprehensive, doesn't actually ask you to list all the times you've had tests done that come back normal and the ER sends you home like you're a hypochondriac.
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