Wednesday, July 4, 2012

My Uninsurable Eight Year Old

I don't post many political thoughts on this blog. I write mainly to create a diary for our girls. Some day I hope they will read it and it will bring back lots of memories.

Since today is Independence Day, I have to write that I'm so happy that the U.S. Supreme Court upheld the Affordable Care Act. The blond twin was recently diagnosed with a mild case of scoliosis. If you're not familiar with scoliosis, it's a genetic condition that creates a curve in the spine. Hers doesn't require a brace or surgery. It's just something to be aware of and watch.

As it is a chronic condition that will need some testing and doctor's visits for the rest of her life she is now uninsurable. Yes, at eight years old she's probably uninisurable. Don't believe me? Search for "can I get insurance with scoliosis?" Most stories tell you to work for a large company where pre-existing conditions are not considered in a group health insurance policy. Maybe she'll be able to find insurance at a price she could never afford. Or she'll find a policy that excludes anything related to her condition, which could cover a lot.

What I want for her is to be able to find her passion and do work she loves. This is hard when you have to take a job have insurance. I have friends who took jobs outside their fields just to get better insurance. It's what they need to do, so they just deal with it. I see the frustration on their faces and hear it in their voices when they talk about work.

I don't want our girls to take a job just so they have the insurance they need. The reality is her scoliosis might not ever bother the blond twin. She might have gone through her whole life not ever knowing it was there except for the sharp eyes of her pediatrician. Now that she has been diagnosed it changes how insurance companies look at her.

I can only hope that the Affordable Care Act clause requiring insurance companies to cover pre-existing conditions will still be in effect when the blond twin grows up. She has so many opportunities in life that I hope she will explore simply because she wants to. I don't want her need for insurance to limit her options.

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