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Hi. I am an entrepreneur, and like you, I sought out my own health insurance. Where I differ from you: 1) I am female. 2) I have a prescription for birth contro
by ericabiz 14y ago
Hi. I am an entrepreneur, and like you, I sought out my own health insurance. Where I differ from you: 1) I am female. 2) I have a prescription for birth control.
Currently, my birth control prescription is through Planned Parenthood, and it's cost me about $25/month for many years.
When I applied for my own health insurance, they asked me to list any prescription drugs I took. Even though I get checkups and my birth control prescription from Planned Parenthood, I dutifully listed it in the form (knowing, too, that lying about this might cause me to get disqualified if I claimed something later.)
I received a letter from the insurance company that I had been declined for insurance. Reason? Prescription medication. This was the only prescription I was on at the time. Yes, apparently the fact that I have a prescription for birth control makes it worth it for a health insurance company to not insure me. This is completely legal for any insurance carrier to do in the United States if you are a single person applying for insurance. And guess what? Once you've been declined for single-person health insurance for any reason, you're pretty much screwed.
I don't know what the solution is, and I don't think our government got it 100% right when they passed different laws recently. But I also know that something is not right when I can get declined for health insurance for being on birth control (that the insurance company would not have even had to pay for anyway.)
The system is broken, and you are the exception. Let us hope that you never have a spouse who would like to be on birth control, or that you never have to take a prescription drug for any reason for any length of time.
- ComputerGuru 14y agoI take some prescription allergy pills. Probably cost the same as your birth control medication. The catch? I signed up over the phone. I made sure to stress how I won't be going through the insurance for these, how it won't be a cost for them. A human on the other end of the line - no matter how dedicated he is to finding a reason to say no - is better than a soulless piece of paper.