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Celiac.com 07/03/2019 - Ever thought about gluten-free insurance? Ads for a Canadian company called Apollo offer the first ever 100% gluten-free insurance policy. If you're thinking, "Great, it's about time someone created gluten-free insurance," then you might have missed the joke. Apollo's gluten-free insurance is not a policy for people who are gluten-free, it's a policy that contains no gluten. Get it? The ads read: Apollo offers first ever 100% gluten-free insurance policy! Apollo claims that a "complete digitization of the entire insurance purchasing process" has left the policy 100% gluten-free. “There’s no gluten on the internet,” says Apollo CEO Jeff McCann. “By taking the insurance policy from its physical form, which is full of gluten, and translating it into a cloud-based digital form, Apollo is able to guarantee that there is no way gluten could possibly contaminate the policy.” Apollo adds that the company's policy was tested in a third party lab, which confirmed that there was no gluten whatsoever contained in the final product. The ad ends with a claim that Apollo is now interested in partnering with Beyond Meat to offer a vegan insurance policy later on this year. Anyone curious or interested can contact: Jeff McCann, CEO (778) 554-9640 email@example.com About Apollo Insurance Read more at: Canadianunderwriter.ca
After my GI doctor told me nothing was wrong with my blood test, even though i was feeling very ill, i knew it was time for a change. This doctor had recommended me to eat products that had wheat and gave me samplers of probiotics that stated "contained wheat" on the back! The doctor i really wanted to see.... Dr. Crowe at the UCSD celiac clinic. This wonderful place seemed to be the solution to all my gastrointestinal needs. The only problem i faced, my insurance. The battle began with my authorization, who was sent by my primary doctor because i didn't trust the GI doctor to even do it right. Of course as i suspected it got denied. I then call the insurance in a sudden moment of fire, anger, and GI symptoms, demanding to know why they had denied my case. They claimed it was "Not medically necessary". Feeling undeterred i sent in an appeal to prove them wrong, sending in my abnormal blood work, but to no prevail. The next day i got a call saying that it was still ruled "Not medically necessary" because i had other doctors in my group that could handle my case. Unsatisfied with my defeat i sent in a complaint to the CA GOV, who makes sure insurance are doing their job, and opened a case file. 30 days they told me, 30 days till i could have an answer. An answer, the man on the phone said, that would possible be no. Finally feeling defeated by the money loving insurance, and more ill then i could stand i transferred to the highest recommended doctor in the group for patient with celiac. To my surprise and delight my new GI doctors, Dr. Kim not only use to work at the UCSD celiac clinic, but is in close relations with Dr. Crowe. Dr. Kim was immediately intrigued by my test results and about my cluttered family history of autoimmune diseases. My case is so puzzling and abnormal that she is going to share the case with the doctors at the clinic to make sure i get the best treatment possible. I'm still a bit sad that i couldn't go and see the doctor i wanted, but in the end Dr. Kim looks to be the doctor to solve my case. A cause that from my visits with her could be more than anyone ever expected.
Celiac.com 09/18/2009 - Little did the parents of 17-year-old Brianna Rice realize that her February diagnosis for celiac disease would make her into a poster child for insurance reform. That's because when Brianna was first diagnosed, she was covered by health insurance. Thanks to some extra scrutiny by her insurance company, that is no longer the case.â€¨â€¨ In the months following her diagnosis, Brianna's insurance company, American Community Mutual Insurance, took a microscope to her medical records and canceled her policy after it ruled that her parents had lied on her application last November.â€¨â€¨ American Community not only canceled her policy, effective in May, but also denied coverage all the way back to November 1st, 2008, the day Brianna's coverage began. After Brianna was diagnosed with celiac disease in February, American Community initiated a review of her medical files and found instances of dizziness, elevated cholesterol levels, ongoing fatigue and a persistent cough. The family received a letter from American Community dated 12 May announcing their choice to rescind coverage.â€¨â€¨ The letter stated that "coverage you applied for would not have been issued for Brianna if we had known this medical history at the time of application." â€¨â€¨Dale Rice claims the firm cherry-picked the instances from different doctors' visits, and that Brianna had no ongoing health issues. He noted the dizziness to was due to a brief bout with dehydration, the fatigue a result of Brianna staying up late surfing online, and the elevated cholesterol due to an inaccurate test, and said her cough was short-lived. â€¨The Rices insist they were honest and forthcoming on Brianna's application and say American Community is trying to back out of covering their daughter because of the February diagnosis.â€¨â€¨American Community claims it would not have granted coverage based on Brianna's full medical record. â€¨The Rices have lodged a complaint with the Illinois Department of Insurance. "We are livid," said Dale Rice, who, along with his wife, is out of work. "When a private insurer gets legitimate claims and seeks to find excuses not to pay them, they are clearly demonstrating morally and ethically bankrupt behavior." Insurance companies look for "anything that they could say 'you didn't tell us about,'" says Rice. "They hope that people just lay down and die and don't fight." The Rices are not alone. The director of the Illinois Department of Insurance, Michael McRaith, notes that his department has investigated about 400 rescission-related cases industry-wide since 2005. He calls the rate at which customers have complained about American Community 'alarming,' and calls American Community Mutual's rescission numbers 'cause for concern.' â€¨â€¨ The family's situation shows just how quickly health insurance problems can lead to financial ruin. With their daughter's unpaid medical bills exceeding $20,000 and mounting, the Rices fear losing their home. Brianna's mother, Pat Rice says she has liquidated some of her retirement account to pay bills.â€¨â€¨ "The next step is really bankruptcy," her husband said. This story should strike a nerve with everyone who has celiac disease, or knows someone who does. I wonder how many people with celiac disease might risk cancellation of their insurance if they lost their jobs? How many people who obtain insurance in good faith, and later find they have celiac disase, risk being with a 'pre-existing' condition label? It seems to me that a crafty insurance company could make an argument that nearly all celiac disease is 'pre-existing,' especially in older people. Let us know your thoughts by commenting below. Source: Chicago Tribune