Get email alerts Get Celiac.com E-mail Alerts  




Celiac.com Sponsor:
Celiac.com Sponsor:




Ads by Google:






   Get email alerts  Subscribe to FREE Celiac.com email alerts

Insurance
0

9 posts in this topic

I have been covered under my husband's insurance for 38 years. He is now retired and his company went bankrupt and we are trying to find insurance and they will take him but not me since I have celiac. Has anyone else had this problem

0

Share this post


Link to post
Share on other sites


Ads by Google:

My personal opinion is that insurance is a rip-off. However, with all of the problems that celiacs have, it is necessary for the testing. I wish you the best of luck finding a company to cover you. If you have been diagnosed, and are gluten-free, shouldn't they have to cover you? I know they claim preexisting condition, but I thought they could only use that to say they will not pay for certain things. Maybe I am just ignorant about health insurance.

0

Share this post


Link to post
Share on other sites

The world doesn't take celiac seriously enough, in other words, no products get labeled, restaurants don't care, and friends and family think we're hypochondriacs..

but when it comes to insurance, they take it too seriously! A gluten-free celiac is not a health risk!

so frustrating...

0

Share this post


Link to post
Share on other sites

Tally, if you weren't diagnosed with a biopsy, then you don't OFFICIALLY have celiac disease. Just wanted to mention this in this discussion for completeness.

In my opinion, this is one good reason NOT to have a biopsy (although there are reason TO have one as well so it's not an easy call at all.)

0

Share this post


Link to post
Share on other sites

I was diagnosed with a biopsy. The only outward signs I have basically is anemia, and very little dermatitis. I had had diahrea for six months and lost a lot of weight, so I went to a gastrologist and he did a biopsy and diagnosed me. I went off flour, etc. and it cleared up within a few days. I went glueten free for nine months, then slowly put it back in my diet. I have had no problem except once in a great while I get diarhea for a day or two and I stay off it again, otherwise I am healthy as a horse. It just irritates me that I am well with it for probably 99% of the year, but since I was so called "branded" with the term celiac they lump me in with the uninsurable. I went again to another insurance company and asked them to check with their underwriters if they could insure me. I told them up front that I was diagnosed with it even though I have hardly any trouble with it. The underwriter came back on the phone and said I would not be accepted. When the agent asked why they said that their book said that celiacs have a greater tendency for lymphomas and that is why they would not take me. The only recourse is to go with state insurance which is $493.00 a month, which to me is a big chunk of change.

0

Share this post


Link to post
Share on other sites




Would it be possible to collect some reliable information about the fact that the lymphoma rate in Celiacs on a gluten-free diet is about the same for non-celiacs. It is only non-treated celiacs that is at higher risk. Maybe you could convince one company to change their mind. $493.00 a month is just too much to have to pay!

God bless,

Mariann

0

Share this post


Link to post
Share on other sites

Tally, If you have been biopsy-diagnosed with celiac disease, then YOU MUST STAY OFF GLUTEN FOR THE REST OF YOUR LIFE. It is NOT something you can eat, period! The diarrhea is because of the damage done to your intestines. Eating gluten causes the damage. It takes time to cause the level of damage required for diarrhea, which is why you only get it occasionally. When you go off gluten to clear up the diarrhea, your body heals, but when you add it back in, you destroy your body again. Your body will only heal so much, then the damage will become permanent. If this is the treatment you follow, no insurance company in the world will cover you. You put yourself in the extremely high risk category for lymphomas and other very expensive illnesses by eating the way you do. You can not add gluten back into your diet, ever!!

0

Share this post


Link to post
Share on other sites

I agree with Dessa, according to your story, you have added gluten back in your diet. If you have Celiac, you cannot do that! Your risk for lymphomas, and other serious automimmune diseases is exremely high if you are ignoring the strict regime of gluten free eating. Celiac is controlled through a 100% gluten-free diet for LIFE! IF you are not doing that, wether you FEEL different or not, it is not under control. Please reconsider your eating habits. This is very dangerous to ignore.

0

Share this post


Link to post
Share on other sites

Laura and Dessa are both right. I missed that fact when I was reading through the post yesterday. As long as you are not on the gluten-free diet, you are shortening your life expectancy. You are certainly increasing your risk for lymphoma, as well as an enormous array of other diseases. Please reconscider the diet. Even if you do not have symptoms you still need to be gluten-free. One of my children is asymptomatic and he is still on the diet. I have never given him the option of not doing it. In my opinion it is not a viable option for anyone who is Celiac, or even just gluten sensitive.

God bless,

Mariann

0

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now
0

  • Forum Statistics

    • Total Topics
      103,902
    • Total Posts
      919,564
  • Topics

  • Posts

    • Johnny Carinos
      If you cant be sure then don't eat it!  
    • Gluten does WHAT to the brain?
      I'm ok, just a little tired right now.  Lots of stress getting elderly parents and in-laws taken care of. My thyroid took a dip low (no surprise there) so I had to increase dose by a quarter grain. Overall, I am not dragging all day but waking up and getting going in the morning is slowwwwwwwww.  I'm sure you understand that! Yeah........Barty.  I thought of her for DAYS on end and it just saddens me to no end that such good people are the ones being taken.  Sometimes life is just so unfair. We all know that but there are times when it really hits you in the gut. There are times I think they are the lucky ones with the way the world is going these days. This terrorism plague is unnerving and I am really getting mad about it. Dear God, please stop this shyte!  I also miss nvsmom and others who have not been heard from. I hope she is feeling better and is just busy with life.  I got glutened on vacation about 6 years ago on the first day in Liverpool.  Jeez, was I sick!  I know how you feel but take heart........that was the last time I was bagged on vacation.  The longer you are gluten free and heal, the faster you recover from hits. You also get very good at not being glutened. It has been almost 2 years since it happened to me last so after 11 years gluten-free, I think I am doing well with that. I still have a little work to do with the vitamin D levels but I work so seeing much sun isn't happening.  My levels have doubled but they are still under 50. This whole Celiac thing is a part time job!
    • Test Results
      Hang in there SLLRUNNER...it is hard and frustrating.  Good job getting that appointment moved up.  I've done too...I've called daily looking for cancellations.  I can also remember counting down the days until my appointment.  ((((Hugs)))) and please let us know how it goes.
    • So I've been glutened....
      Miso soup has gluten in it, doesn't it? =/ I know that I've been avoiding it, which is a big shame because I adore miso!
    • Kissing and gluten
      Hi guys. I know this is a topic that has come up before, but I'd appreciate a little bit of advice. I've been 'courting' a guy for the past few months; nothing has happened yet but we have a proper date in a few weeks which is likely to lead to kissing. He didn't even know what a ceoliac was until a few days ago; I don't think he'd caught the hints that I'd been dropping beforehand. English isn't his first language - he's east Asian. Anyway, I've heard about being potentially glutened via a kiss. How do I broach this? I don't want to scare him off or make him think that I'm a lot of hard work; I know, I know, he's going to have to accept me as I am, etc. but for someone new to the entire thing, it is likely overwhelming. It would be for me if I'd never heard of it! Do I laughingly bring it up beforehand? We aren't going for food so if he isn't eating, just having a cup of tea, will I still need to be careful? If this seems safe, do I just let him kiss me and then bring up afterwards that any future kisses after food will have different precautions?  It all feels so clinical! He's a lovely guy so I do think he'll be understanding, but if anyone has any advice of first hand experience on how to approach the topic without it being a weird moment, that would be great.  
  • Upcoming Events

  • Blog Entries

  • Recent Status Updates

    • Jmg  »  admin

      Hello Admin!
      I don't know whether this is of interest to post on your articles feed:
      http://pratt.duke.edu/about/news/window-guts-brain
      Kind Regards,
      Matt
      · 2 replies
    • celiac sharon  »  cyclinglady

      Hello cycling lady, have you noticed my picture is showing up as you?  Have no idea why but it's rather disconcerting to see my picture and your words 😉  Do you know how to fix it?  You seem to have far more experience with this board than I do
      · 1 reply
    • Larry Gessner  »  cyclinglady

      Hi There, I don't know if there is a place for videos in the forum. I just watched "The Truth About Gluten" I think it is a good video. I would like to share it somewhere but don't know where it should go. Any help would be greatly appreciated.
      Here is the link if you have never watched it.
      https://youtu.be/IU6jVEwpjnE Thank You,
      Larry
      · 2 replies
  • Who's Online (See full list)

  • Member Statistics

    • Total Members
      60,948
    • Most Online
      1,763

    Newest Member
    VER
    Joined