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To: traumer
She cited instances where women were denied coverage because of a pre-existing condition – “like having a C-section, or having had a baby.”

Having a baby is a pre-existing condition? I call BS.

I think she is quoting this article from the NYT for her big facts:

When the Golden Rule Insurance Company rejected her application for health coverage last year, Peggy Robertson was mystified.

Elizabeth Bonet of Sunrise, Fla., with her daughters Mia, 6, and Eva, 2, was told she would pay more for insurance because of her Caesareans. “It made me feel very helpless,” she said. “It made no sense,” said Ms. Robertson, 39, who lives in Centennial, Colo. “I’m in perfect health.”

She was turned down because she had given birth by Caesarean section. Having the operation once increases the odds that it will be performed again, and if she became pregnant and needed another Caesarean, Golden Rule did not want to pay for it. A letter from the company explained that if she had been sterilized after the Caesarean, or if she were over 40 and had given birth two or more years before applying, she might have qualified. Ms. Robertson had been shopping around for individual health insurance, the kind that people buy on their own. She already had insurance but was looking for a better rate. After being rejected by Golden Rule, she kept her existing coverage.


In a letter to Ms. Robertson, Golden Rule, which sells individual policies in 30 states, said it would insure a woman who had had a Caesarean only if it could exclude paying for another one for three years. But in Colorado, such exclusions are considered discriminatory and are forbidden, so Golden Rule simply rejects women who have had the surgery, unless they have been sterilized or meet the company’s age requirements.

This is the story being passed around HuffPo and DU, so I'm sure it's the one Mrs. Obama used (since they never use their own research team, it seems).

So, this woman had insurance, just wanted a cheaper rate, and the cheaper company excluded Caesarians for 3 years (you get what you pay for), but since it couldn't exclude caesarians in Colorado, because the law forbids it, they just won't insure women who've had Caesarians in Colorado (so part of the problem is over-regulation on Colorado's part). Maybe many women would opt for cheap insurance in Colorado and take the chance on not having a Caesarian paid for in the first 3 years of the policy, but that freedom of choice has been taken away.

Perhaps the Obama administration should stop trying to scare folks with sob stories that are not as bad they make them sound.

39 posted on 09/18/2009 8:28:00 PM PDT by keepitreal ( Don't tread on me.)
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To: keepitreal

No mention there that it was the GOVERNMENT that forced Golden Rule to make the hard and sane decision to simply not cover C-sections for that woman.

57 posted on 09/18/2009 9:42:21 PM PDT by TigersEye (0bama: "I can see Mecca from the WH portico." --- Google - Cloward-Piven Strategy)
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