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insurance discrimination?

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Bipolar Disorder
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Posted 1/2/2013 3:30 AM (GMT 0)

has anyone experienced discrimination by an insurance company based on your diagnosis of bipolar 2 or depression?  denied coverage? my husband and i recently applied for long term health insurance and, although he has a history of kidney cancer, his policy was approved but mine was not - the insurance company told my therapist it is because of my diagnosis of "depression with concerns of bipolar disorder and history of ADHD." 

Posted 1/2/2013 4:22 PM (GMT 0)
Bipolar disorder is very expensive to treat and it's likely to affect life insurance. I have not heard of being deined for health insurance for it. But I don't have much experience with private health insurance since I've been on Medicaid and/or Medicare.
Posted 1/3/2013 5:14 AM (GMT 0)
our insurance agent is helping me to appeal their decision and my doctor is going to write a letter - we'll see if it works. 
Posted 1/12/2013 6:54 AM (GMT 0)
If there's anything you can do to fight the discrimination, let me know. We managed to get covered because we started our coverage when we thought my wife only suffered from depression. They cover that, but only for an exorbitant premium. Now that we've discovered she's bipolar, well, at least we're still covered. But in talking to them, if we officially update them that she's bipolar, they might stop coverage. Not like we already pay them over 10 grand per year minimum for coverage or anything... oh wait... we do...
Posted 1/12/2013 2:52 PM (GMT 0)
Wow, X1 that is a lot! Is a health savings account a possibility for you?
Posted 1/12/2013 4:54 PM (GMT 0)
HSA might be possible, but I hesitate trying to change insurance at all just because of the risk that they won't cover us. Unfortunately, neither of our jobs provides insurance, so it's all private. I've shopped around, and it's all pretty much the same. Either they wouldn't cover us, or it's 600+ per month for the premium. Then add on medications and Dr. visits, and you start nearing 1k per month easy.
Posted 1/18/2013 8:30 PM (GMT 0)
I was also denied long term life insurance based on my bi-polar. Not good considering I am the primary bread winner in our house and would have the greatest impact should something happen to me. It is completely unfair.
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