+ Reply to Thread
Results 1 to 4 of 4
  1. #1
    AprilMiller is offline Junior Member
    Join Date
    Jan 2005
    Posts
    1

    Cannot Get Insurance previous infertility treatments

    Illinois

    I am currently on a Cobra coverage. The cobra coverage is running out and I have been trying to obtain alternative healthcare coverage. Husband and I are self employed. I used infertility treatments to achieve pregnancy, and have been denied insurance from Humana One, and Unicare because of the drugs I took to get pregnant. I am not applying for maternity insurance, just the bare bones basic plans for myself, husband and son. The denial letter says " We find we cannot offer membership due to history as indicated on your application for enrollment. The application history of infertility treated with Lupron, HCG, Prometrium, etc. Unfortunately our current medical underwriting guidelines prohibit us from offering enrollment to any applicant with the above history."

    With over 6 million people receiving infertility treatments, I wonder how many of them realize that getting insurance later will make it impossible to get insured. This is ridiculous.

    What can I do? Is there any way around this?
    Thanks in advance.

    April
  2. #2
    lilygirl74 is offline Junior Member
    Join Date
    Feb 2005
    Posts
    1

    Sounds like my story

    Dear April,

    In trying to find some answers to the same problem, I came across your post.
    I am also from Illinois, and I could have written your message. My husband and I are also self employed. We had fertility treatments to conceive our 2 year old son and 4 month old triplets. Our Cobra policy is just about over and we were also denied insurance by BCBS for the same reason. I am currently fighting it and wondered if you had done the same? Have you gotten any new answers, and were you able to find insurance with another carrier? If you have the time I was hoping you could write and let me know.
    Thank you,
    Mandy Wajchert
  3. #3
    purple2 is offline Member
    Join Date
    Dec 2004
    Posts
    300
    The only thing you can do is to continue to shop around for different insurers. Insurance companies are in business for the same reason as every other type of company--to make money. They are entitled to make underwriting rules to minimize their losses if they want to.
  4. #4
    kldh is offline Junior Member
    Join Date
    Feb 2005
    Posts
    1

    Thumbs up Illinois insurance help

    April and others,

    In Illinois, if you have been denied health insurance because of pre-existing conditions, you may be eligible for ICHIP (Illinois Comprehensive Health Insurance Plan). The cost is approximately the same as most major medical plans.

    See their web site for information and an application.

    [URL]http://www.ins.state.il.us/healthInsurance/Ind_Maj_Med_Ins.htm[/URL]

    Kldh

Similar Threads

  1. Infertility treatments coverage
    By Grumpy70 in forum Health Insurance and HMO Plans
    Replies: 7
    Last Post: 03-17-2011, 01:23 AM
  2. Infertility treatment plan guided by wrong insurance information
    By r34498 in forum Medical and Health Care Malpractice
    Replies: 1
    Last Post: 07-28-2008, 04:44 PM
  3. Previous Owner's Insurance and my insurance
    By piper in forum Homeowners Insurance
    Replies: 1
    Last Post: 12-12-2005, 07:27 PM
  4. FMLA and Infertility treatments
    By Epstein in forum Hiring, Firing & Wrongful Termination
    Replies: 0
    Last Post: 12-01-2005, 12:17 AM
  5. Does insurance cover infertility caused by cancer?
    By sjodell@home.com in forum Life Insurance & Annuities
    Replies: 0
    Last Post: 03-29-2001, 04:09 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

© 1995-2012 Advice Company, All Rights Reserved

FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms & Conditions Of Use.