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Kaiser Permanente / stay away

1 United States Review updated:

I was just denied by Kaiser Permanente for being pregnant. Apparently, the result of being in-between insurance policies that you can afford but do to pure circumstance, are not covered, results in you having absolutely no coverage or hope for coverage for nine months and going into extreme debt. To add insult to injury, you are asked to take a urine test, like a criminal. So after crying hopelessly about the evil of insurance companies and the horrific state of healthcare in America, I curled up on the couch.

Then I turned on the TV and low and behold, a beautiful advertisement with babies, strollers, and all the joys of parenthood. Then boom: Kaiser Permanente: Thrive.

How DARE you put that ad up with your policy of complete discrimination. You should all be ashamed of yourselves. Pregnant women are not a disease. And I notice how no medical responsibility is carried by the other half of the equation: males. Ther coverage is both less costly and without restraints.

Thanks for making the joys of motherhood transform into terror and sadness, Kaiser Permanente.

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  • Re
      1st of Dec, 2010
    +1 Votes

    As a mom of two and a former insurance salesperson who is still licensed in Illinois, I can tell you that unfortunately, what they've done is completely legal - and typical within all insurance companies. If your previous insurance was going to be terminated for whatever reason and your current insurance hadn't kicked in by the time you confirmed your pregnancy and were ready to see the doctor, then your pregnancy is a pre-existing condition. It's absolutely stupid, and wrong - I won't argue that in the LEAST - but it's completely legal and actually very common practice. I hate this loophole, as it allows insurance companies to involve the high prices involved in pregnancy and childbirth, and the subsequent immediate post-natal care of both mother and baby. It leaves far too many women and children without the vital prenatal care that they need and deserve. My best recommendation, if you haven't already found a care provider who can and will cover your pregnancy, is to contact your local DHS (Department of Human Services) office and explain your situation. They might be able to provide low-cost (I know, cost isn't a problem in this case, but saving a bit doesn't hurt) prenatal care for you so at least for now you don't have to worry. The downside is that if you're accepted into the program, you may be greatly limited in your healthcare provider options - of course, whether or not this is a problem will depend completely on where you are from and whether or not you had multiple care provider and hospital options in the first place. DHS can also point you toward several state insurance options that might serve you well in this case; once your baby arrives, you can allow the lower-cost state insurance to finish paying off the delivery and post-natal care needs you incur, then hop on your new insurance and drop your state coverage. Alternatively, you can seek pregnancy-only care through the state through some programs; this, however, is state-specific. You may need to do some digging, but at least you aren't completely out of options where the major companies all too often fail their customers.
    Best of luck, and please, remember that you and your baby are special and important to someone out there. <3

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