Does anyone know if Erbs palsy is considerded a pre existing condition? Has any adults with Erbs had problems being covered by insurance? Or has any parents had problems getting your child covered when you have changed policys?
I doubt I will lose my job (insurance)any time soon... but you never know.
Pre existing condition
- richinma2005
- Posts: 861
- Joined: Thu Sep 29, 2005 12:00 pm
- Injury Description, Date, extent, surgical intervention etc: Daughter Kailyn ROBPI, June 14, 1997.
Surgery with Dr Waters (BCH), April 1999 and in February 2012
2 more daughters, Julia (1999), Sarah(2002) born Cesarean.
Re: Pre existing condition
Never had an issue when insurance changed when I changed jobs- changed jobs twice now in 12 years, no issues
rich
rich
- hope16_05
- Posts: 1670
- Joined: Tue Jul 01, 2003 11:33 am
- Injury Description, Date, extent, surgical intervention etc: 28 years old with a right obstetrical brachial plexus injury. 5 surgeries to date with pretty decent results. Last surgery resolved years of pain in my right arm however, I am beginning my journey with overuse in my left arm
- Location: Minnesota
- Contact:
Re: Pre existing condition
I am haveing a heck of a time getting insurance! Erb's is considered a pre existing injury. I am getting married in September and will lose my parents insurance and unless I get a job that offers me insurance before that date, I am screwed. I have tried several times to get my own insurance and have been denied each time.
As long as there is no lapse there should be no ability to call it a pre existing injury through a parents coverage.
Hope this helps,
Amy 23 years old ROBPI from MN
As long as there is no lapse there should be no ability to call it a pre existing injury through a parents coverage.
Hope this helps,
Amy 23 years old ROBPI from MN
- KimW
- Posts: 58
- Joined: Fri May 09, 2008 9:24 pm
- Injury Description, Date, extent, surgical intervention etc: My daughter has a right obstetrical injury. She is 16.
Two surgeries include nerve graft and muscle release.
A great kid that plays soccer, rides horses, plays the piano
and clarinet.
Re: Pre existing condition
I think what Amy stated is key, at least in Ohio where I reside -- once you are covered for the injury on an insurance policy you have a window in which you can move your coverage and the new insurance company must cover that injury/condition. In Ohio I believe it is six months to a year, but I'm not totally sure on that. However, after that time it is considered pre-existing and you may or may not be covered or you may be covered at an increased cost. That being said, you can get insurance coverage for pretty much anything as long as you are willing to pay for it!
Kim West
"Children are likely to live up to what you believe of them." Lady Bird Johnson
"Children are likely to live up to what you believe of them." Lady Bird Johnson
- F-Litz
- Posts: 970
- Joined: Fri May 26, 2006 6:53 pm
- Injury Description, Date, extent, surgical intervention etc: LOBPI, LTBPI at age 6.5, Sensory Issues, CP, Diaphragm Weakness, Aspberger's
- Location: Ambler, PA
Re: Pre existing condition
I know someone who could not get coverage for the charges for the bpi when he changed insurance due to a job change. Son was around 9 years old when it happened. There were besides themselves.
I guess the company and type of policy makes a difference?
I guess the company and type of policy makes a difference?
Re: Pre existing condition
In WA the rule that they have to accept you is true if you've been covered by a "group plan" for over a year. I was covered by an "individual plan" before taking a job for 6 months where I was on a group plan. When I left that job, my old insurance turned me down.
The only way I could get insurance was to join my husband's plan, which wasn't very good coverage--but better than none.
The only way I could get insurance was to join my husband's plan, which wasn't very good coverage--but better than none.
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- Posts: 3242
- Joined: Mon Nov 18, 2002 4:11 pm
- Injury Description, Date, extent, surgical intervention etc: I am ROBPI, global injury, Horner's Syndrome. No surgery but PT started at 2 weeks old under the direction of New York Hospital. I wore a brace 24/7 for the first 11 months of my life. I've never let my injury be used as an excuse not to do something. I've approach all things, in life, as a challenge. I approach anything new wondering if I can do it. I tried so many things I might never have tried, if I were not obpi. Being OBPI has made me strong, creative, more determined and persistent. I believe that being obpi has given me a very strong sense of humor and compassion for others.
- Location: New York
Re: Pre existing condition
I never had a problem getting coverage and I am 70. I covered for many years by a NY company then for years in NJ.
New Jersey had a law that you could not be denied for pre-existing conditions. I'm not sure but I think NY had they same law.
New Jersey had a law that you could not be denied for pre-existing conditions. I'm not sure but I think NY had they same law.
Kath robpi/adult
Kathleen Mallozzi
Kathleen Mallozzi
- veggiebug
- Posts: 257
- Joined: Wed Mar 03, 2004 8:47 pm
- Injury Description, Date, extent, surgical intervention etc: I weighed 11 lbs. 4 oz. when I was born.
I was delivered by forceps which resulted in my ROBPI.
I've never had any surgical intervention. - Location: Williamsport PA
Re: Pre existing condition
I know when I went for PT, my neurologist stated it was for something unrelated because it wouldn't cover pre-existing.
-Traci
-Traci
Re: Pre existing condition
So, in short, never lose insurance and never let COBRA lapse if I quit or lose my job. Fair enough.
Re: Pre existing condition
I am one step beyond your scenario. COBRA does not last even if you pay it up. Now, I have been turned down twice for exceeding the guidelines for pre-existing conditions (only one is BPI related- so if that is all you have, you may be OK. They (Insurance Companies) seem to have a limit for what they will consider though). My advice. . . Just lie.Andy S wrote:So, in short, never lose insurance and never let COBRA lapse if I quit or lose my job. Fair enough.
Good Luck!!!
Richard
Richard