Tuesday, October 20, 2009

Reason #45,001 for Universal Health Care

On top of the 45,000 people in this country who are killed every year due to a lack of health insurance (and this from a country whose government spends a trillion dollars for Iraq and Afghanistan), there are the other victims of our private health system--the uninsured who do not die, at least not right away, but go without. Meet 2-year old Aislin Bates, whose insurer (UnitedHeath Care Golden Rule) has decided she is underweight 'for her age' and, of course, beyond coverage.

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Underweight Girl Denied Insurance Coverage

Parents Says 2-Year-Old Girl Perfectly Healthy

By Lance Hernandez, 7NEWS Reporter
POSTED: 5:56 pm MDT October 19, 2009

First it was a 4-month-old Grand Junction boy who was denied health insurance coverage because, at 17 pounds, he was considered overweight. Now comes word that a 2-year old Erie girl has also been denied coverage because she doesn't weigh enough.

Aislin Bates weighed 6 pounds, 6 ounces at birth.

She now tips the scale at 22 pounds."She's perfectly healthy, yet she has become a statistic," said Aislin's mother, Rachel Bates. "There's no reason for her to be a statistic as a non-insured person."

When Aislin's father, Rob, worked for another company, Aislin was covered under the company’s group health insurance plan.

Now that Rob is working on his own, he's had to get new insurance. The company, UnitedHealthcare's Golden Rule, sent the family a letter, which says in part, "We are unable to provide coverage for Aislin because her height and weight do not meet our company standards."

"It took me by surprise," said Rob Bates. "I didn’t think that her size was that abnormal and that it was something that you'd consider to be unhealthy."

"I had no idea that this would be an issue, Rachel Bates added, "because we always had group insurance with his job. I was floored when a height-weight standard prevented coverage."

A spokeswoman for UnitedHealthcare's Golden Rule said 89 percent of the people who apply for insurance get it. Ellen Laden, the company's public relations director, told 7NEWS that most insurers have their own propriety height and weight guidelines.

"Ours are based on several medical sources, including the Centers for Disease Control, and are well within industry standards," she said.

Laden, who said she couldn't talk specifically about the Bates' case, added that, "When evaluating height and weight, we typically utilize other factors as well in making a decision, such as medical records that show evidence of treatment or any underlying medical conditions."

The Bates say Aislin is undergoing treatment for an active gag reflex."

It's very minor and she probably will only need therapy for a few more months," Rachel said.

Rachel told 7NEWS that both the therapist and her pediatrician wrote letters in support of the family’s quest to appeal the insurance company's decision. Both stated that Aislin is healthy and continues to grow."

We would definitely like to see insurance reform," Rob Bates said. "We are not proponents of universal health care by any means, but what we want to see is that insurance companies have legitimate reasons for denying coverage."

State Senator Betty Boyd, D-Lakewood, chairs the state's Health Care Task Force. She said, "If I were making the decisions, I think I would certainly cover this child."

Boyd said it behooves insurers to be reasonable when making their decisions."

If insurers exercise reason, they're less likely to see mandates coming down the pike."

Laden said, "If a child did not meet our weight guidelines and the child was treated and continued to show steady growth for several months after treatment ended, in most cases we would reconsider covering the child."

Laden added that comprehensive coverage is currently available through Cover Colorado for individuals who don’t qualify for health insurance in the individual market. The Bates said Aislin is temporarily covered through COBRA, a federal program that allows people to continue an employer based health insurance plan for up to 18 months. The parents said it costs as much to cover Aislin under COBRA as it costs to cover the remaining three family members."

You’d never think that something like size, something that seems so irrelevant to your health, would be a discriminating factor," Rachel said.

In the Grand Junction case, Rocky Mountain Health Plans changed its policy and now says it won't consider obesity a "pre-existing" condition barring coverage for hefty infants. The Bates are hoping United HealthCare's Golden Rule has a similar change of heart.

http://www.thedenverchannel.com/news/21343449/detail.html
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It is stories like this that Harry Reid and Max Baucus should be forced to read every morning before they look in the mirror and try to face themselves as members of the same species.

If you would like contact the "people" at United HealthCare Golden Rule (what a name for a company that cuts off 2-year olds), here they are. Be sure to remind them of what you think of their policies of uninsuring children. You may want to ask if any of theirs have pre-existing conditions. I am sure they would appreciate it.

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http://www.goldenrule.com/
http://www.goldenrule.com/contactus/
United HealthCare Golden Rule
1-800-444-8990
Hours to call these draculas:
  • Monday-Thursday 8am-9pm (ET)
  • Friday 8am-7pm (ET)
  • Saturday 10am-3pm (ET)
  • Sunday 10am-6pm (ET)
Home Office of This Criminal Entity
7440 Woodland Dr.
Indianapolis, IN 46278
Phone: 317-715-71111

The Public Relations Wretch Who Claims Uninsuring Children is OK
Ellen Laden
Director, Public Relations
Phone: 317-715-7843
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Does anyone doubt that the posters from the Free Republic would be calling for blood vengeance if one of these denied policy holders were to die, particularly at the hands of a drifter or convict (and even more so if the perpetrator was from a community the average freeper would just as soon commit hara-kiri than live near)? But what if that person dies as a direct result of being denied insurance coverage? You better believe those same freepers would think differently if we held the executives at Golden Rule as criminally culpable under those circumstances. But you see, this is what they like to call having the freedom to choose. After all, according to their company, denying this little girl coverage is "well within industry standards," and we would never want the government to come between that special relationship a policy holder's family has with the doctor they are not allowed to see anymore.

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