Pre-existing
Would you rather have government bureaucrats or big business bureaucrats making decisions about your healthcare insurance eligibility? I know which one Sophie’s Mom would prefer.
Just as our Blue Cross plan was set to start, we received a notice from them stating that they considered Sophie to have a pre-existing pulmonary problem (due to the amount of doctor’s visits for pneumonia), and that while they would cover her in general, they wouldn’t cover any pulmonary/respiratory issues until she had gone two years without needing medication or problems…
All of a sudden, Sophie was without coverage for pulmonary problems. This was absolutely terrifying. What if she got sick?! What if she needed to be hospitalized?! We spent the next couple of months researching every insurance company that we could, begging them to take Sophie. Nope, it wasn’t going to happen.
And then our biggest fear came true: Sophie got very, very sick. And I’m ashamed to say that although we knew that she was incredibly ill, we actually considered keeping her home from the doctor’s office, as we knew that this would be yet another strike against her getting insurance. Luckily we pulled our heads out of our asses and took her to the doctor anyway, and it’s good that we did, because Sophie was so critically ill that she was sent straight from the doctor’s office to ICU. She was so sick that we couldn’t even wait for an ambulance; they helped me throw our limp, blue daughter into our car, and I drove like hell to get her to the hospital next door.
Let me state that very clearly one more time: we almost didn’t take our baby girl, who was in severe respiratory distress, to the doctor because we knew that it would hurt her chances of getting insurance.
