Posted By Posting
Jul 24, 2008
popz4120
Bryson (3/06), former Neocate, Nexium, and Reglan baby. Diagnosed with peanut allergy and asthma. Weaned from meds in Spring 0f 08. Brother, Parker (6/04), was also on Prevacid and Pregestimil (formula) as an infant.
Asthma and Pre-existing conditions OT
Quick question.... our son was diagnosed with asthma in March and our insurance will be changing due to a change in jobs. Bryson's pedi stated that his asthma may be considered pre-existing and it may not be covered. Has anyone had a similiar experience and can offer some advice as to if I can fight it. She told us that she could write a letter stating that it is not chronic and see if that helps. His asthma is flaring up today as he has had a cold. Any info would be great! amanda
Jul 24, 2008
mom2halleyann
Donnessa, mom to Halley born 3/10/07
Reflux (mostly) resolved at 14 months
and Addison born 8/17/09. Currently exclusively bf and on 7.5mg Prevacid
As long as there isn't a lapse in his coverage (I can't remember for how long - I think like 60 days), and he's been covered under yours or your dh's work policy and is moving to another work policy, then there should be coverage from day one with no waiting period for pre-existing conditions.
Jul 24, 2008
mom2halleyann
Donnessa, mom to Halley born 3/10/07
Reflux (mostly) resolved at 14 months
and Addison born 8/17/09. Currently exclusively bf and on 7.5mg Prevacid
Here, check out this website - it should give you the info you need: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
Jul 24, 2008
mom2halleyann
Donnessa, mom to Halley born 3/10/07
Reflux (mostly) resolved at 14 months
and Addison born 8/17/09. Currently exclusively bf and on 7.5mg Prevacid
This Dept of Labor brochure will probably be more helpful. It pretty clearly explains the exclusions and creditable coverage. The HR department at the new job should be able to help you out as well. http://www.dol.gov/ebsa/pdf/consumerhipaa.pdf
Jul 24, 2008
jenrackley
PAGER Volunteer Services Coordinator
Nutritionist
Melina 7/24/02 now reflux free!!
TWINS:
Ella 5/3/05 GERD, asthma, hypotonia, food intolerances, esophagitis, IBS //
Ava 5/3/05 asthma, food allergies
Pic: My girls! They are getting so big!
Yes, you have to make sure there is no lapse in coverage. I would look into COBRA if you may have a lapse. It is expensive but it keeps you insured and helps with the pre-existing garbage.

I actually went through that after college. I got on an insurance and then they tried to claim anything that was a dx'd disease prior to getting their coverage was pre-existing. Some of my DR's refused to give them records... LOL. I also didn't have much that would have fallen into that realm anyway.
Jul 24, 2008
daniejo
Mom (Danie) to Adam (9-4-03) & Nate (3-7-07) Nate was diagnosed with silent AR at 2 months old. He was on neocate, prevacid 30mg per day and couldn't start solids till he was almost 8 months old. He started cow's milk at 14 months and is currently off all meds!! So far so good :) PIC: Disney trip 2008. Nate didn't know Piglet was there, he didn't like the characters too much.
Our dr and insurance rep "worded" it a bit different...it didn't actually SAY asthma, lol. It turned out to be fine...hope it works out that way for your family :)
Jul 24, 2008
katiesmommy
Tracey, mom to Katie diagnosed with GERD at 3 week.
As long as it's "open enrollment" they can't deny you. We have switched insurance with job and dh has asthma, eczema and heartburn w/o problem.
Jul 24, 2008
popz4120
Bryson (3/06), former Neocate, Nexium, and Reglan baby. Diagnosed with peanut allergy and asthma. Weaned from meds in Spring 0f 08. Brother, Parker (6/04), was also on Prevacid and Pregestimil (formula) as an infant.
Thank you so much for the wonderful information. YOu guys are always wonderful! There will be no lapse in coverage as my old policy will end on Aug. 31st and my new begins on Sept 1st. That makes me feel a little better. I will have to check out the Dept of Labor website later as I am dealing with two sick kids. One with a stomach virus and the other asthma/cold.
Check with your
doctor first!