Jump to content
This site uses cookies. Continued use is acceptance of our Terms of Use and Privacy Policy. More Info... ×
  • Welcome to Celiac.com!

    You have found your celiac tribe! Join us and ask questions in our forum, share your story, and connect with others.




  • Celiac.com Sponsor (A1):



    Celiac.com Sponsor (A1-M):


  • Get Celiac.com Updates:
    Support Our Content
    eNewsletter
    Donate

Getting Life Insurance With A Diagnosis Of Celiac


shelby1

Recommended Posts

shelby1 Newbie

My 9mo may have celiac. Right now he is on a gluten free trial and doing wonderfully.

If his diarrhea returns when I reintroduce gluten, should I just forgo the blood testing and keep him gluten free?

I am concerned for later in his life with a confirmed diagnosis and his ability to get health and life insurance, etc.


Celiac.com Sponsor (A8):
Celiac.com Sponsor (A8):



Celiac.com Sponsor (A8-M):



dlp252 Apprentice

Yeah, that's a tough one...it really depends on how much you (or family, etc.) needs that diagnosis. Some family members have a hard time being strict enough if there isn't a firm diagnosis.

I don't have one, but I too saw improvement after going gluten/casein free and that's enough for me. Fortunately my friends and family also accept it and are very careful when I eat at their houses, etc.

On the insurance issue...I obviously don't have a problem yet, other than my insurance company has questioned a couple of things, but so far no problem with coverage. However, I work in an office with 4 other gluten intolerant people and two of those are diagnosed Celiac. One of them told me that she was having problems with insurance coverage. I don't know what kind of problems as we didn't have time to talk and I rarely see her, but she did mention it, so I think it does exist.

JennyC Enthusiast

Yeah, today I started worrying about the same thing. My son has a very high tTG, and the appointment with the ped. gastro. hasn't come yet. I'm a college student, and have purchased Regence BlueCross BlueShield health insurance. I am going to be looking for a temporary job that will most likely offer health insurance, but today it occurred to me that I should keep the private insurance that I already have even if offered other insurance by a future employer. I'm afraid that if I need private health insurance for him again that he will be denied. Can employer health insurance deny people with chronic health conditions? At what point is the Celiac diagnosis passed onto the insurance company?

Phyllis28 Apprentice

One other consideration for children is whether they may require special accomodations in school. A doctor would need to provide a letter so the school is required to adhere to any special accomodations that your child may need.

Jo.R Contributor

Can employer health insurance deny people with chronic health conditions? At what point is the Celiac diagnosis passed onto the insurance company?

Jo.R Contributor

Hold on, don't take my word for it :( . I haven't workrd in HR for 7 yrs, and laws change. I think I have it right, but please double check.

debmidge Rising Star

Metlife wrote a life policy for my husband last year and we were upfront about it. They gave him rates for a healthy person (not high risk). They did not shy away from celiac disease.


Celiac.com Sponsor (A8):
Celiac.com Sponsor (A8):



Celiac.com Sponsor (A8-M):



Guhlia Rising Star

We were unable to get life insurance for my daughter because she was diagnosed with acid reflux... Insurance companies can be very picky. Ridiculous, I know...

NoGluGirl Contributor
We were unable to get life insurance for my daughter because she was diagnosed with acid reflux... Insurance companies can be very picky. Ridiculous, I know...

Dear Guhlia,

I called about health insurance some months ago. They told me I would have to pay extra because of reflux. That makes me so angry. These companies screw everyone! I hear BlueCross Blue Shield and Anthem deny practically every claim, no matter how legitimate. Even worse is the fact that in the U.S. just because the general public is richer than other countries, they charge us 60 percent more for meds! Australia only pays $17 for Prilosec, while we may pay $60! When you have insurance, they automatically are allowed to charge more for doctor's visits as well as medications. Generics are even jacked up to a ton more than they originally are. They charge people with insurance more just because they can! One of my mother's meds is $70! When I had insurance and took Prevacid twice a day, I had to pay $300 for a month's supply. Now I take Prilosec OTC instead. It is about $40 a month now.

Sincerely,

NoGluGirl

shelby1 Newbie

Thank you for all of your replies. Lots of valid points were shared.

I'm guessing some insurances are more educated than others on the disease. I also agree that many are really out to screw you as someone already pointed out.

It's a shame that we even have to worry about this stuff, isn't it?

:angry:

Thanks again!

Guhlia Rising Star
Dear Guhlia,

I called about health insurance some months ago. They told me I would have to pay extra because of reflux. That makes me so angry. These companies screw everyone! I hear BlueCross Blue Shield and Anthem deny practically every claim, no matter how legitimate. Even worse is the fact that in the U.S. just because the general public is richer than other countries, they charge us 60 percent more for meds! Australia only pays $17 for Prilosec, while we may pay $60! When you have insurance, they automatically are allowed to charge more for doctor's visits as well as medications. Generics are even jacked up to a ton more than they originally are. They charge people with insurance more just because they can! One of my mother's meds is $70! When I had insurance and took Prevacid twice a day, I had to pay $300 for a month's supply. Now I take Prilosec OTC instead. It is about $40 a month now.

Sincerely,

NoGluGirl

Their reasoning to me for denying tori was that those with acid reflux are found to have a higher risk of esophageal cancer. I think it's ridiculous. With life insurance for a newborn they wouldn't have lost any money even if she did die at 50 of cancer.

I was denied health insurance by Highmark Blue Shield. This was without Celiac on my charts and I have no other known health issues other than ADD. What possible future risks could that cause? They wouldn't even insure me with inflated premiums! Try American Medical. It's not great insurance, but it's WAY better than nothing. They insured my hubby with health issues and my daughter and they're still paying less than me. They won't cover maternity stuff though. Whew, thank goodness I went with Aetna.

kbtoyssni Contributor

The whole health insurance thing annoys me so much. I haven't had any problems, but now that I'm (self)diagnosed and gluten-free, I am sooooo much healthier than I was before. If I could give an insurance company my personal statistics on how many doctors visits I've had pre and post diagnosis, they should be able to see that I'm about ten times cheaper now than I was before. Long-term I've also decreased my risk for health complications so over the course of my lifetime I'm probably going to save them thousands if not millions.

VioletBlue Contributor

I'll preface this by saying I haven't sold health home or auto insurance for four years, so I'm a little out of date. If it's group health insurance through your employer they cannot turn you down for the group plan. That has not changed. They can't turn your dependents down either. When they agreed to insure the company, they agreed to insure all qualified employees as a group, not individuals. They can't pick and choose within that group. HOWEVER, you have to make sure when you apply for that insurance that you meet their deadlines and follow their requests to the T. I worked for a company years ago where the insurer denied a new hire because they said she had submitted her application 2 days late. They based that on her hire date and not her start date if I remember right. Coincidentally she was diabetic and wore an insulin pump ;) The Exec Director got so PO'd about it we switched health care providers.

When it comes to giving a life or health insurance company info on you, try not to scare them. If you tell them you are gluten intolerant some may not make the jump to Celiac Disease and shrug it off. The people who decide the fate of your application are not medically qualified and they work off risk charts and data bases and computer programs, not actual medical knowledge. If you use the phrase Celiac Disease that might raise more red flags than gluten intolerance. It just sounds scarier and may cause them to dig around in your medical history. Stupid but true. You are not lying by saying you were diagnosed with gluten intolerance, and if they choose to track down your medical history it will back you up. Be honest, but try and provide information without elaboration. If you apply for insurance in person with an agent remember that agent is not your friend. They're required by law and by contract to pass on anything you tell them or even suspicious questions you ask to their employer so the insurer can adequately asses the risk.

violet

NoGluGirl Contributor

Dear Guhlia,

Thanks for the tip. I will keep American Medical in mind. So many of these plans have such high premiums, no one can afford them. Even people with high paying jobs barely can afford them. It really is rediculous. This whole scenario is insane! :o

Dear Violet,

I do not trust insurance companies. They screw you every chance they get. So many people I know are denied claims that should never be questioned. My parents have been trying to find some plan they could afford to help cover my medical costs. I need a lot of testing, but cannot afford any of it. Even worse, the doctors I had before most of them just said I was nuts. Like most Celiacs, I was doped on everything known to man, and was accused of having eating disorders, IBS, etc. That will be a problem not only with other doctors you see in the future, but with the insurance company.

Sincerely,

NoGluGirl

pooter Newbie

I work right next to the insurance billing dept. and I get to hear them arguing all day with the insurance companies about them denying valid claims over stupid reasons. I work in the insurance verification dept. and they are always very careful to tell me that verification of coverage is not guaranteeing that they will approve a claim. They are scum in my humble opinion. I don't have health insurance other than temporary medicaid, which I'm about to lose. I was denied coverage after my diagnosis of celiac. I'm healthier now than I was before when I was covered by insurance, so it's idiotic to me. I already had my life insurance policy in place before the dx, so that's a good thing at least. I'm planning to move to another state by the end of the year, so here's hoping I can find a job with great benefits so that I won't have to worry about this anymore.

Archived

This topic is now archived and is closed to further replies.


  • Celiac.com Sponsor (A19):



  • Member Statistics

    • Total Members
      131,198
    • Most Online (within 30 mins)
      7,748

    Jamie0230
    Newest Member
    Jamie0230
    Joined

  • Celiac.com Sponsor (A20):


  • Forum Statistics

    • Total Topics
      121.4k
    • Total Posts
      1m

  • Celiac.com Sponsor (A22):





  • Celiac.com Sponsor (A21):



  • Upcoming Events

  • Posts

    • Scott Adams
      Clearly from what you've said the info on Dailymed is much more up to date than the other site, which hasn't been updated since 2017. The fact that some companies might be repackaging drugs does not mean the info on the ingredients is not correct.
    • RMJ
      To evaluate the TTG antibody result we’d need to know the normal range for that lab.  Labs don’t all use the same units.  However, based on any normal ranges that I’ve seen and the listed result being greater than a number rather than a specific number, I’d say yes, that is high! Higher than the range where the test can give a quantitative result. You got good advice not to change your diet yet.  If you went gluten free your intestines would start to heal, confusing any further testing,
    • Bev in Milw
      Scott is correct….Thank you for catching that!      Direct link for info  of fillers.    http://www.glutenfreedrugs.com/Excipients.htm Link is on 2nd page  of www.glutenfreedrugs.com   Site was started by a pharmacist (or 2) maybe 15-20 yrs ago with LAST updated in  2017.  This makes it’s Drug List so old that it’s no longer relevant. Companies & contacts, along with suppliers &  sources would need to be referenced, same amount effort  as starting with current data on DailyMed      That being said, Excipient List is still be relevant since major changes to product labeling occurred prior ’17.           List is the dictionary that sources the ‘foreign-to-us’ terms used on pharmaceutical labels, terms we need to rule out gluten.    Note on DailyMed INFO— When you look for a specific drug on DailyMed, notice that nearly all of companies (brands/labels) are flagged as a ‘Repackager’… This would seem to suggest the actual ‘pills’ are being mass produced by a limited number of wholesaler suppliers (esp for older meds out of  patent protection.).      If so, multiple repackager-get  bulk shipments  from same supplier will all  be selling identical meds —same formula/fillers. Others repackager-could be switching suppliers  frequently based on cost, or runs both gluten-free & non- items on same lines.  No way to know  without contacting company.     While some I know have  searched pharmacies chasing a specific brand, long-term  solution is to find (or teach) pharmacy staff who’s willing help.    When I got 1st Rx ~8 years ago, I went to Walgreens & said I needed gluten-free.  Walked  out when pharmacist said  ‘How am I supposed  to know…’  (ar least he as honest… ). Walmart pharmacists down the block were ‘No problem!’—Once, they wouldn’t release my Rx, still waiting on gluten-free status from a new supplier. Re: Timeliness of DailyMed info?   A serendipitous conversation with cousin in Mi was unexpectedly reassuring.  She works in office of Perrigo, major products of OTC meds (was 1st to add gluten-free labels).  I TOTALLY lucked out when I asked about her job: “TODAY I trained a new full-time employee to make entries to Daily Med.’  Task had grown to hours a day, time she needed for tasks that couldn’t be delegated….We can only hope majorities of companies are as  conscientious!   For the Newbies…. SOLE  purpose of  fillers (possible gluten) in meds is to  hold the active ingredients together in a doseable form.  Drugs  given by injection or as IV are always gluten-free!  (Sometimes drs can do antibiotics w/ one-time injection rather than 7-10 days of  pills .) Liquid meds (typically for kids)—still read labels, but  could be an a simpler option for some products…
    • Ginger38
      So I recently had allergy testing for IGE antibodies in response to foods. My test results came back positive to corn, white potatoes, egg whites. Tomatoes, almonds and peanuts to name a few.  I have had obvious reactions to a few of these - particularly tomatoes and corn- both GI issues. I don’t really understand all this allergy versus celiac stuff. If the food allergies are mild do I have to avoid these foods entirely? I don’t know what I will eat if I can’t  have corn based gluten free products 
    • JForman
      We have four children (7-14 yo), and our 7 year old was diagnosed with NCGS (though all Celiac labs were positive, her scope at 4 years old was negative so docs in the US won't call it celiac). We have started her on a Gluten Free diet after 3 years of major digestive issues and ruling out just about everything under the sun. Our home and kitchen and myself are all gluten-free. But I have not asked my husband/her dad or her other siblings to go completely gluten-free with us. They are at home, but not out of the home. This has led to situations when we are eating out where she has to consistently see others eating things she can't have and she has begun to say "Well, I can't have <fill in the blank>...stupid gluten."  How have you supported your gluten-free kiddos in the mental health space of this journey, especially young ones like her. I know it's hard for me as an adult sometimes to miss out, so I can't imagine being 7 and dealing with it! Any tips or ideas to help with this? 
×
×
  • Create New...