Celiac Disease As A Pre Existing Condition...
Posted 11 August 2010 - 02:56 PM
About five years ago, my symptoms looked like a check list for celiac disease and google pointed me in the right direction. I have attempted gluten free since then. Yes, much has improved. I still have major problems. I never realized all the issues involved...cross contamination being the biggest. I thought just eliminate gluten and I would be fine. My eldest daughter clued me in when she genetically positive to gluten and also came back soya and caseine positive. I suspect these are also issues for me.
My problem...I just emigrated to the US from Canada. I don't go on health care with my employer until October 1/2010. Scary enough trying to find the correct doctor but does this now become a pre-esiting, not covered condition? I am a nurse and used to work in the US. I am aware of the ramifications of p.re-existing conditions. I have not been diagnosed as an adult as celiac. What about the other conditions that I am treated for, that are probably related to/ caused by untreated celiac disease????
I need to see a doctor but am scared for what this may entail. I have severe osteoporosis (bone loss of 46%) have had the classic herpes like rash....they said it was shingles until it crossed the midline of my body..severe fatigue, still. I ache ...but you have osteo arthritis... liver/ pacreatic enzymes are at times off the chart...Are you an alcholoic???? I WISH!!!!! wine makes me sick...Thanks to these forums I know why my fav red wine aged in oak casks... I smashed a foot and was left with reflex sympathetic dystrophy..pain is incredible at times...now I know why it is worse...oops...I was glutened...
Any help is greatly appreciated. I just moved in to my own place after living with my son and his family for four months. I have never been sooo sick. I lost 35 lbs. No one could get that my condiments were off limits.,,,,ditto my cooking utensils...They made my rice pasta in water after theirs....I found out the hard way. My sensitivity is through the roof right now. I am a nurse and have been for 40+ yrs... I am trying to work but finding it really hard. I want to get help in October but don't want to say the wrong thing that will get my claim denied........
Posted 12 August 2010 - 02:43 AM
I hope you are feeling better soon and do be strict about the diet.
"I will try again tommorrow" (Mary Anne Radmacher)
celiac 49 years - Misdiagnosed for 45
Blood tested and repeatedly negative
Diagnosed by Allergist with elimination diet and diagnosis confirmed by GI in 2002
Misdiagnoses for 15 years were IBS-D, ataxia, migraines, anxiety, depression, fibromyalgia, parathesias, arthritis, livedo reticularis, hairloss, premature menopause, osteoporosis, kidney damage, diverticulosis, prediabetes and ulcers, dermatitis herpeformis
All bold resoved or went into remission with proper diagnosis of Celiac November 2002
Some residual nerve damage remains as of 2006- this has continued to resolve after eliminating soy in 2007
Mother died of celiac related cancer at 56
Twin brother died as a result of autoimmune liver destruction at age 15
Children 2 with Ulcers, GERD, Depression, , 1 with DH, 1 with severe growth stunting (male adult 5 feet)both finally diagnosed Celiac through blood testing and 1 with endo 6 months after Mom
Positive to Soy and Casien also Aug 2007
Gluten Sensitivity Gene Test Aug 2007
HLA-DQB1 Molecular analysis, Allele 1 0303
HLA-DQB1 Molecular analysis, Allele 2 0303
Serologic equivalent: HLA-DQ 3,3 (Subtype 9,9)
Posted 12 August 2010 - 08:21 AM
Posted 12 August 2010 - 08:36 AM
Posted 12 August 2010 - 09:11 AM
Posted 12 August 2010 - 11:25 AM
Thanks everyone for the info. I am fortunate when it comes to Medicare....I worked in the US for 12 yrs previously and have my "40" quarters in. I think that makes me qualified at age 65 yrs. I am now a landed immigrant. I have just signed up for a flex spending account. Not exactly certain how much to put aside but am putting some there. So much has changed. As for that really good job....it seems that health care profs...usually have lousy benefits...lol It is almost like employers know just how expensive it really can be. Now for the challenge of finding that doctor who won't think I am totally crazy!!!!
I think pre-existing conditions have to be diagnosed. If you are afraid you won't be able to get individual insurance, I wouldn't worry about that. As someone else said, most companies deny you coverage for history of major illnesses like cancer. And in some places it's illegal for them to deny you even for that. Your premiums may be higher because of your age and other health issues, but I would be surprised if they actually denied you any insurance. Just be honest about all the health conditions you have been diagnosed with and read all the fine print in your policy to know what tests are covered and what are not. If you have a really good job with health insurance as a benefit, you may also be able to get a health flex spending account. You can set aside a certain amount of each paycheck into the flex spending account tax free, then use the money in the account to pay for things like co-pays and tests that your insurance doesn't cover. And another thing to keep in mind is that if you plan to become a US citizen you may be eligible for Medicare at age 65. I'm not sure how long you have to be a citizen to qualify, but you can look into that now while you are only 60. Here's the info on Medicare: http://www.ssa.gov/p...0043.html#part2 Of course it doesn't help you right now, but it's an option if you find private insurance is way to expensive at the age of 65.
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