March 26, 2010
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Baby Denied Health Insurance
A ten-day-old baby was denied health insurance. The baby was born with a congenital heart defect.
Blue Cross and Blue Shield of Texas denied health insurance for the newborn baby because he has a “preexisting” condition. The parents don’t think it should be labeled as a “preexisting condition” because the baby was just born. Here is the link: LinkIf a baby is born with a congenital heart defect, should it count as a preexisting condition?
Comments (118)
No. Absolutely not.
what happened to mandatory health insurance
That’s… stupid.
Nope.
no it shouldn’t be considered preexisting, especially since the baby was just born.
and i think its disgusting that a little baby got denied health insurance.
=[
No.
Of course. It’s a private company, and they can deny whomever they choose (at least for now).
Definitely. It’ll weed out the sickies. Eugenics, baby.
/sarcasm
And…. my head just exploded.
the american health care system is such a joke.
I don’t know why people want reform. This system works just fine!
Dear world, please just take care of the babies. Because lord knows we are dropping the ball all over the place. I just don’t know what to say sometimes when I hear how… it’s just not human. TAKE CARE OF THE BABIES! take care of the ones who can’t take care of themselves. please. lame. The fact that this is an issue… is an issue. I swear to God… I’m going to seriously kill some things in my life. Things that need to be killed. Not people… their damn things that they believe in (the ones that hurt) . done. quit it. give me what I need to take care of this shit. please
I can help. I just need to see these people face to face. @privatejet
night Dr.Houseface… I LOVE your show SOOOO much! haha! Oh you love to play god… in fact, House vs. God episode… so great! ha!
@Liera - Did you hear the one about the company denying a baby because he was fat?….at 4 months old? I say thank God for reform becuse that story & this one is so fucking ridiculous!!!
Hmm, I’d wondered how their baby ended up not getting automatically covered under his parents’ plan. Turns out that they don’t have a plan for themselves, just individual plans for each of their children. If I ran the insurance company, I’d insure him anyway. I’ve never been a fan of pre-existing conditions.
No! No way. Preexisting conditions shouldn’t count in any situation, period. If a person needs help, a person needs help.
Yea, if that’s the way the policy was written, fuck the dumb ass parents. Expedient natural selection I guess.
That’s utterly absurd!!
No.
Not if they had insurance when she became pregnant and they had maternity Ins. If they took the insurance out after the baby was born the ins company has a case. If they took out the ins after she had conceived and they accepted it I would think they would have to cover the baby unless she was pregnant and didn’t tell the ins company she was. I didn’t read the link so it may tell all of that. Thats just how I understand Ins. My youngest daughter that lost her right leg in the horseback accident had a pre existing condition with a disease in that leg when she was born. Blue Cross payed for two surgeries she had at 5 and 6 years old but raised our premium to where we couldn’t afford paying it. THAT is what the company shouldn’t be able to do. Making an insurance company take on a pre existing problem when they were never liable to cover it is wrong too though!
yes.. because it was obviously pre-existing.
Correct me if I’m wrong but didn’t Obama just pass a bill regarding health insurance as to where people with preexisting health issues can still get coverage,I’m Canadian so I don’t know all the facts but I thought that’s what the bill was all about…
But NO it should not be considered preexisting at all,especially when infants are involved..
If it’s a pre-existing condition, he doesn’t need insurance, he needs healthcare.
Ridiculous.
The babies health should be guarded and taken care of the baby should have insurance for sure
I was going to make a joke and say that being born is a pre-existing health condition.
all businesses,, including insurance companies are in business for one thing,, to turn a profit..
yes,, at present i believe insurance companies have every right to decline a sale that is known would led to a sizeable loss…
it seems most of us are confused at the concept of insurance…
can anyone out there spell business?? if not,, refer to my spelling,, i believe its right.
@proud_mommy_p - The bill takes effect in 2014.
A classic example of greed.
@schallerbrandon - Ah okay then,thank you for filling me in…isn’t it kind of absurd that it is going to take four years for it to take effect? why can’t they make it sooner?
Not it should not. The baby was born under the parents insurance so how can they NOT cover it?
After reading the link, I realize that the parents didn’t technically have insurance. This is complicated. But they shouldn’t call something they didn’t know about preexisting. The gray areas of health care.
@proud_mommy_p - I find it equally absurd and am not entirely certain of the reasoning.
This seems to outline some of the time constraints.
http://www.scrippsnews.com/node/52494
@schallerbrandon - Thank you for the link,I understand a little more now..I suppose I’m what you would call Ignorant when it comes to US health insurance.The plans in the US are nothing like ours,I read that unemployed people do not qualify for Insurance. It’s not like that up here,it doesn’t matter if you work or not you get coverage. The only thing that isn’t covered by our medical if you don’t pay into it is our prescriptions…
maybe “heath care” shouldn’t be something profitable
The parents probably led unhealthy lifestyles and were most likely retarded (as they are not I) and therefore their kid doesn’t have much hope. Obamacare is a travesty and all of congress (R and D alike) are just puppets. Republicans are the lesser of two evils as Democrats are crazy radicals who pass laws left and right without regard to American interests.
@proud_mommy_p - Yeah, allow me to demonstrate jealousy, even though Americans are routinely fed horror stories concerning the Canadian system (such a long waits, etc).
@oulck - I really do like this idea, but that would involve decimating about 1/6 of our GDP and handing it over to government control (assuming privatization would not exist free of profit). Republicans would go absolutely insane.
To answer the question more directly…I feel like humans under the age of like 3 should be treated regardless of insurance as they have no direct impact on their own lives and are under the care of their parents. Once they’re 3 they know what they understand pain and know what they should or should not do.
@schallerbrandon - You are correct about the long waits,we are apparently short staffed in the ER’s of our hospitals,My son split his forhead open almost to the skull when he was two and we had to sit in the ER with him covered in his own blood for 7 hours..it made me sick to my stomach and I went ape shit on the nurses. There are some horrible things of course but all in all it is a good plan.
no, but obama care is not the answer either !
No, that’s disgusting. Seriously, we need to get it together.
@Shinbi_Belldandy - I read that one too. And he was breastfed! You can’t force feed a breastfed baby. There’s no way that baby would be overweight except on the charts. Also, formula fed babies and breastfed babies go by separate charts. Ugh. Sorry, that one was RIDICULOUS if you ask me. The sad thing was that he was what… 14 lbs at 4 months? That’s not excessive. Most babies are around 12 lbs at 4 months, sometimes a little less. I’d be more worried if he were a 40 lb 18 month old, but we’re talking about a baby here who isn’t eating any baby food – just drinking milk. It’s really sad mostly because no insurance company would deny a child healthcare for being underweight.
This is one of the many reasons we need this reform to be passed completely.
Medicaid did the same thing to my family when I was born with a heart problem. And that was 1985. Some things don’t change much.
@Morningstarrising - That’s just sick. People are getting mad for what exactly now? This is stupid. My old crapsurance from my part time job refused to pay for my speech therapy because they didnt deem it necessary & the whole policy was a joke. It cost me more to have than what it covered. And I still cant talk properly. Because of this limitation, jobs turn me down so now I’m going back to school for a new career. All because it’s “my fault” I got bronchitis that relapsed & silent reflux that fucked up my vocal cords.
People who want Obama to fail either can afford their own insurance & dont care or they’re under the parental umbrella & still dont care.
@proud_mommy_p - Are you kidding me?! Blood, not breathing, KO’d, stroke & heart attacks are first priority & they just let you sit there?! I hope your baby is ok now. I would have written the chief of staff a nasty letter.
I have a dream- Idiot insurance adjuster denies one too many babies, gets Alzheimer’s and has to buy Obama’s Golden Cadillac policy, in order to get covered.
@Shinbi_Belldandy - He is perfectly fine now thank you for asking,they were letting adults in who had the flu before they let my son in.There was also another two year old who had a broken arm and she had to wait even longer than us. I wanted to but it wouldn’t have done any good,my main concern was what if he had fractured his skull and we sat there for 7 hours,people had died from head wounds in shorter time.
@NikBv - lol. a. men.
Figures this would happen. Dan, watch in the next week, month, day the baby will die? Why? Because it was a pre-existing condition.
Mark. My. Words.
@proud_mommy_p - I know that’s what freaked me out. When Natasha Richardson died, it made people realize how serious head injuries are even if you look fine. If you dont know the story, she was skiing in Canada & fell on her head. But she refused treatment saying she was fine & an hour later she was in a coma & died. The first hour is very critical with head injuries. I’m glad your son is alright, he was very lucky.
I am wondering Where the proactive parents where? Medicad will take care of kids, very well. Private Insurance isn’t a right… op for good health care should be open to all. I have owed money to Drs & Hospitals many a time when we first started out.
PPL have options when they look for them.
Preexisting conditions shouldn’t prevent people from being taken care of. That’s just ridiculous. “Sorry we don’t help people who ll ready have needs. We only help people who might have a need someday.”
it’s a business, the company does not have to pick up clients they dont want. they dont have a moral/social obligation to nobody
this has nothing to do with health care. This has to do with common sense and decency and Texans lack it.
@proud_mommy_p - the bill hasn’t been implemented yet. They are still ironing out the details. It actually went to the Senate yesterday to be “corrected” and then re-voted on. o.O
And there are other things those parents can do to get treatment for their baby. In fact, if things are bad enough, medicaid can cover it. My step-dad makes too much money for medicaid, but not enough to be able to afford regular insurance. He has skin cancer, and because it’s bad enough, medicaid is going to cover the cost.
Health care in America is top rate. We just have issues figuring out how to pay for it all. One of the biggest problems are all of the IOU’s the medicare/medicaid program has written. Not only that but medicare/medicaid pays very little and sometimes doesn’t actually cover the cost of the surgery or procedure in question. FYI: people come to America to be doctors.
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Another reason why America’s health care fails. I hope the new bill will correct much of this.
Because of companies like this, this why we Americans are going to get fuck by Obama and his socialist medicine
Hell yeah. Fuck that kid. Who does he think he is being born that way? Little bastard.
how awful
hell no it shouldnt count. thats terrible.
Potato, po-tah-to.
No, but it is anyway. I thought the new health care bill prevented them from claiming this anymore, though?
If you were an auto insurance company, would you insure a brand new car with no brakes?
Health Care: To take care of health.
Fin.
People behind health care: Determine who gets health and who doesn’t.
Who are these people? I want to know these people. I want to know why a “pre-existing” condition has ANYTHING to do with not getting health. So, in order to have health insurance, you have to be healthy first. Because if you’re sick, that’ll cost more money. And we don’t want to spend money on you sick people…especially the ones who are gunna be sick for a while… say a baby who just might have to have a regular doctor appointment once or twice a month to check to see if he can still in fact go to school and play with the other kids. Wait, he doesn’t have enough money… hmm… better home school him. And take him away from the things he SHOULD be able to experience as well such as: A HEALTHY LIFE.
hmmm… So I still have yet to read the thicky of the health care bill… but I’m most certain it’s passed… and I’m curious to see how it effects things. I just want to go and have a few converstaions with those who don’t believe it shouldn’t have been passed. Because I believe they will be taking their anger out on those who NEVER deserved anger… just love. So I’m gunna (if I can) go love these angry people, and try to understand what they are truly angry about… and see if we can’t come up with a solution for that… and if we can’t… then some form of alternative… and if that still doesn’t help… well, I’ll then most likely bust out with some fun bible verses that I’m SURE they have heard before, and ask them what they think of those. Ask them what kind of people they are. Still angry people? Shhhhh…. let’s stop. Stop doing things in the name of something un-named. I just wanna go out in to the world, and find the angry buttons, and press them into nice ones. Maybe that’ll work… maybe not. But I’d like to try.
@proud_mommy_p - He just passed it. It will take time to enforce it, of course.
That’s a shame.
Under USA’s traditional system of health insurance it makes sense to me that the heart condition would be non-covered and pre-existing. That’s why I’m encouraged that the current administration is trying something new.
that is terrible and I never knew they were doing that crap
unfortunately, this is the problem that abortionists run into. They want to label a fetus as something other than a living human being. So when Doctors go in and check the baby (or fetus) for any potential problems and in unfortunate cases like this one, actually find one, the baby is labeled as having a pre-existing condition. So, if you take the abortionists stance, the baby did have a condition before it actually existed. I have BC/BS and any children that my wife and I have are automatically covered with the same coverage that we have. I wonder if they had testing done on the baby before delivery and this is the basis for their claim.
It is disgusting that there are actually people out there who perform tests on babies for health problems, down syndrome, etc. as a way to determine wether or not to continue a pregnancy. As long as there are disgusting enough people out there to deny the right for an unborn child to live, there will always be rediculous insurance policies like this. The insurance found a loophole that was created by the abortionists.
I also wonder if the parents didn’t have insurance before they had the baby and when they found out something was wrong, they went out and tried to buy it. It’s sad, but a lot of Americans think that is what insurance is for. Insurance is what it is called. It is not a “get out of jail free” card for hospital and doctor bills. You pay your premiums IN CASE something terrible were to happen, not rush out and try to buy it when something bad does happen.
This is not surprising.
Depends on the definition of pre existing condition (does it include conditions you’re born with or just conditions that you obtain after birth but before applying for insurance?). But I can’t imagine even the most conservative person wanting to deny insurance to a baby.
Was it diagnosed in utero?
The baby should receive help. Whether the parents pay or the health insurance company pays.
Pre-existing what? The application for insurance? If so, I thought that children of covered parents were “automatically” covered at their birth. Another example of insurance companies run wild trying to destroy the lives of innocent people, not really caring about taking care of their clients, but only concerned about making an obscene profit. What a shame.
It shouldn’t be an issue at all. But, technically it is pre-existing since it probably developed while the baby was in the womb. But this is exactly why we needed this bill passed. Now if only it went into effect sooner…
@proud_mommy_p - It’s not in effect yet. The part where children can’t be denied for pre-existing conditions is supposed to go into effect sometime this year (after they work out the kinks in the wording apparently though). The part for adults not being denied I think has to wait a couple of years to go into effect.
@radicalramblings - It’s not in effect yet and the wording has to be changed because one senator apparently pointed out how the wording could be taken differently than what was intended.
Well yeah, it didn’t come later. How can you say no?
To follow that logic, the insurance companies should deny all claims. We were all born to develop some kind of ailment.
Hard to believe that the insurance companies would need to be regulated. The question is moot. The Healthcare bill made this bullshit illegal. Those provisions of the bill go in effect in about 6 months…
Hopefully Obama’s new health care bill has taken care of BS like this
@rafi09 - The health care “fixes” passed the House today. There’s no excuse for anyone to still be without good quality health care coverage … unless, of course, the bill really isn’t going to solve anything. But what would I know? I’m just one of those heartless insurance supporters.
@radicalramblings - That doesn’t mean that it is automatically in effect this very minute though. If you can find something that states an exact date for it to go into effect, then show me please. All I can find is that some of things go into effect sometime this year. That doesn’t mean now. And it wasn’t in effect when the article was written (2 days ago). As far as I can find, on Jan. 1 of next year, there will be no reason for a CHILD to be denied coverage and that after 2014 there will be no reason for anyone to be denied coverage, unless there is an issue. But you can’t say that the bill won’t work until then.
The fact that a baby was denied coverage at some point in the past 12 days does not mean that the bill will not work. I never said you were heartless. I never said I don’t support insurance (in fact, that’s what the bill is about…making sure everyone has insurance), private or public. I never said you didn’t know anything. I was just answering a question that you asked.
That’s terrible.
Ugghhhh. Poor baby. ♥
I want to scream at this.
@proud_mommy_p - He did, but it doesn’t go into effect for four years.
parents should have taken out the insurance before the baby was born…stupid move on their part, now they pay for it…literally
Definitely not! Actually I don’t think anyone should be denied for “pre existing” condition. Simply because if you have a condition and get dropped by another company then who will pick you up? It seems irrational and insensitive. Say Mr. A has United Health Care and gets diagnosed with Parkinson’s, then changes careers and his new employer offers Blue Cross. Blue Cross denies him and he is left with two choices. Go without health insurance or pay out of his pocket which could , in this economy, greatly reduce his monthly income which could then cause a domino effect resulting in god knows what.
It is the same with this baby, the parents are now left with only a small amount of choices, pay for health insurance out of their pocket if there is another company which would cover said baby , or pay for the cost of the child’s health care for the remainder of its life or until they can find someone who will grant the baby coverage. AGHHH!!!! Things like this make me soo angry.
i thought that preexisting conditions just require higher premiums, thats all. didnt think they’d deny the baby it.
i don’t think its right, but i think that it is a preexisting condition. at the moment, the insurance companies can deny them it, sad to say.
don’t think its fair and its cruel… but true
Dear Dan,
No.
The new healthcare bill ends discrimination against pre existing conditions. So Blue Shield might have to rescind their denial, if not voluntarily, possibly through the courts. (And didn’t I just see this on The Good Wife?)
We also might ponder as to when the “baby” is deemed to have begun his life.
And that opens another can of worms, eh?
Michael F. Nyiri, poet, philosopher, fool
That’s crazy….and no it should not be a pre-existing!!!!
Wow I’m very sorry to hear about this it’s just crazy.:(
Oh, hi, Dan. Remember me from a few years back?
Disregarding how retarded America is (capitalism galore), and how it likes to make up diseases for it’s meds, let’s think about this from the baby’s perspective.
Oh yes, he would want to be aborted or euthanized. It’s actually unimaginably cruel for the parent to forge on and subject something that is physically defective to massive surgeries and chemical treatment to get it to live. I’d want to be euthanized.
Change is coming…
@bobobear88 -
Right, capitalism is so retarded. Everyone thinks that everyone else should be equal and happy until someone comes along and takes their stuff to do it.
The hell do you mean “the baby’s perspective”? The baby is a baby. It doesn’t know what’s going on and it shouldn’t have to worry about living or dying. That’s not the point of the conversation. The point is our socialist health care system has denied a baby health insurance because they classify a congenital heart disease as a preexisting condition. That’s what’s retarded here.
In that case, just deny everybody. All of us have slowly started dying of old age as soon as we are born.
@ErnieDamnit -
You’re saying that I’m implying that communism is the solution to capitalism. I never said that. I just critiqued capitalism; it’s current form in America is seriously flawed. It doesn’t take an idiot to see that a senior on umpteen different types of medication that the doctor is mindlessly prescribing and diagnosing diseases that probably don’t exist. Furthermore, taking over 10 different types of drugs at once will case insanely complicated chemical interactions that probably end up being as dangerous as the so called conditions they are treating in the first place.
lol, socialist. Have you fallen for Glenn Beck’s retarded sensationalism? Everytime I see that guy on TV I’m amazed people are stupid enough to be caught by his pipe. And yeah, technically, he was born with it – isn’t that preexisting?
From the baby’s perspective means that as he struggles to grow up (as with any other baby with a birth defect) he will face severely stunted opportunities in his whole life, ranging from employment to social. It’s funny how we’re all like ‘save the down syndrome babies!’ and then we stick them with other down’s in this nice little building where they are out of everyone’s way.
That is a crying shame!! Just pathetic!!
@bobobear88 -
Lol, you got after me for accusing you of communism and you went right back and accused me of watching Glenn Beck. Glenn Beck is an idiot.I’ll agree to disagree.
Are you a doctor? What do you mean “diseases that don’t exist”? If you could enlighten me, I would appreciate it. Probably something to do with my retarded American mind, but isn’t med school the longest, most expensive, and most complicated train of profession one could pursue?
I didn’t call you a socialist, by the way. I called the health care bill socialist.
Calling an entire nation retarded is not a “critique”. It’s a sweeping generalization and it’s insulting.
And who are you to think you know what’s best for these babies? So we see one thing wrong with them and we off them? There are plenty of people with Down’s (capitalized) syndrome who live happy and productive lives..
And I wasn’t implying anything. If capitalism is inferior, then what other social model would you subscribe to? Totalitarianism, Oligarchy, Monarchy, what?
it was just born. wtf. if all the people born with congenital defects couldn’t get insurance…
but obamacare will change all that. [shrug]
I find this absurd. Look, whatever happened to compassion? When is it that the health care industry turned from being about caring for the sick to making a buck? Oh, back during the Nixon administration, right. Ultimately, until we all can realize what is most important, bullshit like this will continue….though whoever mentioned the new bill being passed is right…I had also heard that insurance companies will no longer be able to deny coverage based upon pre-existing conditions.
@ErnieDamnit - True, true. Let’s agree to disagree. I’m only arguing for lack of nothing better to do.
For example, psychologists recently added ‘social anxiety’ (e.g., shyness) as a diagnosable disorder to the DSM. That, among other eye raising decisions, really should clue you in to things. Obviously, I can never provide you proof. But I’m sure there is a whole subsidizing system going on in the states. Doctors need to prescribe medicine and they need patients to make money. Everytime I tune in to an american TV channel there are ADVERTISEMENTS for medications, including prescribable and over the counter ones. It’s ridiculous. The prevailing philosophy is to simply drown the problems with pills. Med school trains you to diagnose and gives you anatomical and chemical lessons about the human body. Up in Canada I see the worst kind of people becoming doctors – those who only know rote learning. Part of the reason why med school admission is so hard is because graduates are certified to literally deal in death; but I see no evidence suggesting that they possess superior problem solving skills to any run of the mill PhD.
Capitalism isn’t bad. Dirty capitalism is.
As for Down’s, I would simply recoil in horror at the thought of being trapped in that sort of mind.
Time to update, slacker!!! hehehehe
@bobobear88 -
“Social anxiety” and “shyness” are not the same thing. Social anxiety is a psychological disorder that plagues its victims with delusions and paranoia, they are paralyzed by fear of social interaction and can develop hypertension and OCD.
I find no evidence that the general American philosophy is to “drown their problems in pills”. The advertisements on television are mostly geared towards congenital disorders (such as diabetes or Crohn’s disease) or towards the elderly, who have more health problems and are therefore more apt to take medicine.
There is no such thing as a “run of the mill” PhD. A doctorial degree is the result of many years of intense study and hard work, not to mention a highly competitive class schedule that consumes most of your free time.
A doctor is on a salary-type payroll: the size of his or her check has nothing to do with how many patients he or she sees. The reason why most emergency room doctors sleep at the hospital is because they are on call at least 12 hours a day. Most of them volunteer to work nights. In total, your average doctor works 50 to 60 hours every week.
I doubt an uneducated yahoo off the street would work that long in such a competitive field.
@ErnieDamnit - Right. I’m sure that’s what the DSM says. What does your common sense say? Just because someone says it is so, you believe them?
Here’s a fallacious assumption: the elderly have more health problems and need to take more medicine.
Yes, there are plenty of run of the mill PhDs. Not all PhDs are equal.
Most doctors don’t work in hospitals. Especially specialists, who maybe work 4 days a week, 6 hours a day.
I thought that story sounded bizarre, until I read the link. Take-home lesson: Pregnant women need health insurance.
This is insane.. such idiots!
Being a person who is going into the health care industry, I feel that the baby should have been given insurance and not denied. I have to say that although I’m not for everything this Healthcare Reform is proposing, I believe that something has to change because our country has such great resources and information with abilities to make people well or at least keep them healthier but healthcare is so business oriented that they deny people due to pre-existing conditions. Sure, you can argue survival of the fittest, but that means I better not see those people who are healthier and think health insurance is strictly a privilege but somehow they end up hospitalized and I have to be their nurse. I’m studying nursing because I care about people’s health and I enjoy taking care of them. What has happened to humanity in our country?
I honestly don’t like the idea of being denied health care because of pre-existing conditions whether you were just born or not. So, I don’t think it should matter if this baby has a pre-existing condition or not, they should not deny him health coverage.
No. That pisses me off.
@bobobear88 - They didn’t get to be specialists on a hope and a prayer.
Questioning every little thing someone tells you is a good way to be branded as a conspiracy theorist.
How is the fact that as people age they get more health problems fallacious? Between a 60 year old man and a 20 year old man, which one do you think is more likely to get sick or permanently injured?
Common sense tells me that.
Pre-existing: to exist prior to (something or someone else); precede.
the condition that the child was born with was present before the application of health insurance (if they applied after the birth) so yes, it is pre-existing either way you look at it. If the baby was denied to be put on the insurance with the parents just because it was born that way then theyre retarded.
No! Of course not! The condition was pre-existing before the baby itself was even a baby, but that doesn’t mean it should be denied health insurance! I do see where the Insurance Company is coming from, but he’s only a baby! Give him some damn insurance!
@proud_mommy_p - That plan is supposed to work in a couple years.
i hate the insurance industry!!!!!
How can it be preexisting if the baby wasnt existing?
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