Now Hear This

It’s tragic how many families don’t have health insurance, and hopefully the presidential campaign will make health care reform more of a national priority. But even parents who have insurance can face major medical costs. Insurance companies will often pay for some things, but not others—like crucial therapy for autism and, as I just learned, children’s hearing aids. Children who are hearing-impaired need new hearing aids every few years, and they can cost several thousand dollars. Legislation called Grace’s Law, is being considered in New Jersey; it would require insurers to cover up to $1000 towards hearing aids every 24 months. Kudos to other states who’ve passed similar mandates: Connecticut, Maryland, Minnesota, Kentucky, Lousiana, Missouri, Oklahoma, and Rhode Island.
Tell us about other crucial health expenses for your child that your insurance company won’t cover. 97452868_64a95de1cb_m

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  1. by judy

    On July 10, 2007 at 4:44 pm

    Oxford doesn’t cover my son’s epi-pen which he has because of a life-threatening allergy. It may not seem like a big deal, but he needs to have many of them (at school, at home, at his dad’s house, at camp etc) and they cost $75 each. It angers me just on principle!! And I pay a lot of money for this insurance!

  2. by mcewen

    On July 10, 2007 at 5:15 pm

    Somehow an ‘insurance’ system for illness has always seemed backwards to me, but then I’m a Brit was socialist medicine is taken for granted.
    Best wishes

  3. by Tara

    On July 10, 2007 at 9:09 pm

    I guess we’re lucky that we have Tricare which is the military (and government? I don’t know) healthcare coverage and it’s fantastic. As long as we’re seen at a military medical center or a doc that takes Tricare, we never pay a copay. If we get our scripts filled on post, they’re free. I haven’t encountered anything negative about Tricare personally but I know of one family that has had issues with getting a wheelchair for their daughter who has cerebral palsy. She has to have it, she’s completely immobile but has the use of one arm to wheel herself so her family and therapists want her to have a chair with a one-arm drive…Tricare says if she needs that she should have a power chair. Uh, this kid would take out half the town with a power chair, she’s way silly. It irritates me when insurance companies try to tell people what they need.

  4. by Amy H

    On July 10, 2007 at 10:35 pm

    Well, it’s not crucial, but it would be awfully hard to deal with not having, but NB’s insurance doesn’t cover his ADHD visits. Not his medication OR visits with the doctor. And we don’t get refills. So we go EVERY month. It gets spendy, but he is a completey changed kid now. He gets good grades and has FRIENDS.

  5. by adrienne

    On July 11, 2007 at 12:27 am

    My insurance called gestational diabetes a ‘pre-existing condition’ when I was neither pregnant nor diabetic when I enrolled. I just got a refund (almost two years later) with no explanation (read: the decision was reversed after someone got irritated enough to have the matter investigated by their state department of insurance resulting in refunds for all of us- thank you anonymous insurance consumer!)
    Insurance is not federally regulated, but the consumer still has recourse. Contact your state’s department of insurance if you feel you’re being cheated by your insurer (health, home, or auto). Find your department of insurance here: http://www.naic.org/state_web_map.htm
    I always hated that my former employer’s health insurance would pay for Viagra for men but not birth control for women.

  6. by Amanda

    On July 11, 2007 at 2:11 pm

    It all seems so arbitrary doesn’t it? From a different perspective, my mom is a physical therapist with her own practice, so she has to bill tons of different companies—it’s awful! If you think companies make patients jump through hoops, you should see the hoops practitioners have to jump through. (There’s a reason there’s a whole job for specialists in medical billing, it’s so complex.) She doesn’t blame her patients ever, but sometimes it takes her YEARS to get paid for visits.

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