Has your UC diagnosis hurt your chances of getting good life insurance coverage?

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I Gotta Go
Regular Member


Date Joined Sep 2007
Total Posts : 44
   Posted 9/14/2007 2:23 PM (GMT -7)   
Just wondering.

Seahorselover
Regular Member


Date Joined Sep 2007
Total Posts : 30
   Posted 9/14/2007 3:06 PM (GMT -7)   
that is a good question, I would like to know too :>)

*Jen*
Veteran Member


Date Joined Jul 2005
Total Posts : 514
   Posted 9/14/2007 3:26 PM (GMT -7)   
Yes, my premium would be higher as I have UC, so I opt to use my work's life insurance which doesn't ask about pre-existing conditions. If I quit my job though then I won't have that coverage anymore. Not sure what the difference in price would be though. Wondering if anyone else knows how much more they pay becauce of their UC. Good question!
Diagnosed: 
Officially Diagnosed with UC in June 2003.  Have had stomach issues since 1989.  Unknown if they are related or not.  Have mild/moderate UC.  Have had 4 flares, the last one caused by hormones from stopping breastfeeding.  Currently back in remission!  Only taking 6 Asacol a day.   Will take Rowasa enemas as needed. Colozal did not work for me.  Luckily my UC is relatively minor and responds well to meds, but man do those flares hurt!
 
 


cycling_sasquatch
Regular Member


Date Joined May 2007
Total Posts : 167
   Posted 9/14/2007 4:58 PM (GMT -7)   
I have insurance through work, but I tried to get more. I got denied by three companies. They said try again in a year. I was trying to get $1 million, though, and next time I'll see if less makes a difference. I was told that it didn't matter how much, there was just too many red flags. (Had I tried three months earlier, I would have been fine because I had no symptoms and hadn't been diagnosed!)
Dx Left-sided UC Dec. 2006
Currently:
Azathioprine (Imuran) 125mg/day
Prednisone 15mg/day (trying to taper-started at 60 6/1)
Lialda 4/day


UC Dude
Regular Member


Date Joined Aug 2005
Total Posts : 438
   Posted 9/14/2007 7:00 PM (GMT -7)   
I got $500k 20 year term for $168/month.  Pricey.
 


Another UC wife
Veteran Member


Date Joined Jun 2007
Total Posts : 2111
   Posted 9/15/2007 5:28 AM (GMT -7)   
Fortunately we got our policies before this diagnosis...however the type 2 diabetes definitely had a negative effect on the life insurance rates (and long term care rates) for my husband and put him in a higher risk category for premiums so I'm not surprised this would do the same thing. Gotta love those insurance companies....they'll give you insurance and it is reasonable as long as you are healthy. Once they know you've got something if they'll insure you at all you're gonna pay the price. I asked at the time what the premiums would have been if he was in a regular healthy category and it was a major difference.

I had 20/20 on last night and it was regarding health insurance and it is a disgrace the way so many people are handled and insurances terminated on various people. The financial ruin and psychological problems that accompany some of the "heartless" way some are treated.

Something definitely needs to be done in this country for the less fortunate and even middle class who have a decent income but cannot afford the out of sight premiums, deductibles etc.

60 yr old male~Colitis 1st diagnosed Jan '05-cleared up within a few wks. Flared again in May '06 ... left sided UC now, fully involved and trying to get in remission. Acute inflammation-pancolitis-tenesmus rectal pain-granulation is showing some healing started. Osteopena of spine from prednisone DX 8/07  July 07 good days & bad days 75mg Imuran 40  mg prednisone (tapering 8/07) 12 Asacol, Lidocaine Hydrochloride Jelly 2%,multi vitamin, iron 3X day, DanActive, chewable calcium, Prilosec 20mg, enalapril 10mg, glipizide 5 mg, zocor 20 mg, baby aspirin, (Fentanyl pain patch 50mg 72 hrs  Morphine Sulf 15 mg twice daily)Colocourt enemas at night. Fosamax and mthly B12 shots folic acid 1mg


sodbuster19
Regular Member


Date Joined Sep 2007
Total Posts : 343
   Posted 9/15/2007 1:37 PM (GMT -7)   
Yes. I have had term ins for a few years now, and when my 2nd son was born, I tried to increase my amount, and was denied. I am almost divorced(Oct.2), and as of now I have been on her health ins. I have called other company's, including the same 0ne as we have now, and have been denied or the cost for just myself is close to $700/mo here in New York.

Hobo
Regular Member


Date Joined Jan 2006
Total Posts : 187
   Posted 9/16/2007 1:08 PM (GMT -7)   
I have life insurance thru AAA. The plan requires no checkup and doesn't care about pre-existing conditions.
 
$250,000 policy for $60 a month.
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