On the heels of the Supreme Court ruling regarding the Healthcare bill my oldest daughter turned 26. (If you aren't aware, this is the age after which your child can no longer be listed on their parent's health insurance plan). After this, a saga began. She applied for a high deductible personal insurance with Anthem right before her birthday. At that time the extent of her medical problems included a twisted ankle about a week before she applied, for which she took a couple of days of naprosyn. Other than that she's been perfectly healthy. They declined her. Unbelievable! Exactly who do these people give insurance to?
She contacted an independent insurance agent, who was equally mystified, to try to help her. Anthem has yet to provide her with the promised explanation of their denial.
So here is the amazing thing--immediately after her denial, she developed epigastric and chest pain. She had recently been on an airplane and her chest pain was worrisome for a pulmonary embolis. So of course she got a CT scan which she will have to pay for out of the money she has saved for medical school. My question is--are the insurance companies now omnipotent, able to see into the future? If so, how do I, as a Family Physician, obtain the same powers. It would really come in handy in my line of work!
(Of course now she'll NEVER be able to get personal health insurance.)