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Tuesday, October 20, 2009

Your new insurance policy: Life is a pre-existing condition that leads to death -- payment denied
Posted by Jill | 7:15 PM
Oh fer cryin' out loud....is it the thin air out there?

Last week it was the Colorado baby denied health insurance because he was too fat. Now a Colorado toddler has been denied health insurance because she is underweight.

I shit you not:
The parents of a two-year-old girl in Colorado are unable to obtain health insurance for their daughter because the insurer, United Healthcare Golden Rule, claims she is too small. In a letter sent to the family of the child, Aislin Bates, United Healthcare Golden Rule writes, "we are unable to provide coverage for Aislin because her height and weight do not meet our company standards." According to a Colorado news station, Aislin weighed six pounds, six ounces at birth, and now weighs 22 pounds.

When Robert Bates, the girl's father, left his former job to start his own business, he was forced to seek out his own health insurance, and enrolled his family in an insurance plan with United Healthcare Golden Rule. "It took me by surprise," Bates told ABC 7 in Denver. "I didn't think that her size was that abnormal and that it was something that you'd consider to be unhealthy."

Read more at: http://www.huffingtonpost.com/2009/10/20/aislin-bates-colorado-tod_n_327309.html

It's a good thing I'm not a small child now. I would have been hit with a double-whammy -- being overweight AND shorter than most children my age.

Why don't these companies cut the crap and come out and admit it: Life is a pre-existing, terminal condition so anything for which you might file a claim is not covered.

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Anonymous Anonymous said...
For crying out loud! Based on these two stories,only one out of my five kids would have been covered. The first three would have been "small" by their standards and the fourth would have been "obese". Funny, the first three got over it and are full grown healthy adults, a couple in the large range. The "large" one is almost 19, normal height and slender. Guess they know better than us, hunh? Jerks.

Anonymous Anonymous said...
What about death? Is that a pre-existing condition?

Only when you're dead for more than a week. Prior to this time, you're in transition from near-death to just-about-dead. Therefore eligible for health insurance during the week of flux.

This is consistent with the purpose of US health care insurance: risk of payout is minimized while profit is maximized. This too is the magic of capitalism.