The insurance companies continue to “cherry pick” patients. This one caught my eye in the fact that much of this is out of one’s control. C-sections are now a potential consideration for denial of coverage? Does this make sense? Some insurance companies have taken the high road here and are removing such provisions, but in this case, with this insurer, it’s not happening yet.
There is no woman in her right mind that would choose a C-Section birth if a natural birth is considered safe and she is able to deliver, as with the incision the risk for infection rises. This is one area where some re-thinking could apply if we are going to continue to raise families and women are having children at a later stage of life today. BD
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.
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. The company, based in Indianapolis, is owned by UnitedHealthcare, which collects more than $50 billion a year in premiums and has 26 million members, most with group coverage.
After Caesareans, Some See Higher Insurance Cost - NYTimes.com
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