Sunday, May 19, 2013

What will insurance cover with a preexisting health condition and new pregnancy?

Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


Do you have to have health insurance when entering the Peace Corps?
Q. Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin?
So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?

A. I KIND OF THOUGHT THAT "MEDICAL TREATMENT" WAS PART OF THE "BENEFITS PACKAGE" WHICH OUR "UNCLE SAMMY" PROVIDED WITH PEACE CORP SERVICE!!!SEE: <www.peacecorps.gov> Peace Corps
Fighting hunger, disease, poverty, and lack of opportunity.www.peacecorps.gov - 46k - Cached - More from this site


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.





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