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insurance issues


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  • insurance issues

    My sister has symptomatic HCM and I need to decide whether or not to get an ECHO for myself (59) and my daughter (20). We are both asymptomatic, and she is not an athlete, though she is active, dancing and gardening. Medically, we should do it: I gather that I have a 50-50 chance of it, and if I have it, she also has 50-50. But I am concerned about insurance. Page one of the health questionnaire in my state lists cardiomyopathy as one of the short list of items that throws you off the questionnaire immediately. In other words, either your rates will be higher or you could be denied coverage-- even if we are asymptomatic and may remain so. Especially for my daughter, who may very likely end up living in other states where she'll need coverage from different companies, or who may later in her young life decide to, or need to, go without insurance for a period of time then want it again.
    If we have HCM, but no symptoms, what would we do differently in our lives, and why not just take those precautions anyway, and save ourselves the insurability stigma of the "diagnosis"?

  • #2
    Most people who are screening for HCM due to family history make sure they have their insurance in place before the screening. The benefit of knowing is that you can takes meds to prevent long-term damage to the heart because it's continually working so hard and you would know that you have it and can make informed decisions on your health care accordingly. Your daughter may need to know if she has it or not before she has children of her own.

    Just because your sister's is symptomatic doesn't mean that yours would be too, though. The experts say that there isn't necessarily a correlation between symptoms or even septal thickness between family members.

    Best of luck to you!


    Husband has HCM.
    3 kids - ages 23, 21, & 19. All presently clear of HCM.


    • #3
      If you currently have health coverage it is hard to loose your coverage or not be granted new coverage based on any pre-exsisting condition based on newer Federal Laws.

      Call the office and we can discuss this in greater detail.

      Knowledge is power ... Stay informed!
      YOU can make a difference - all you have to do is try!

      Dx age 12 current age 46 and counting!
      lost: 5 family members to HCM (SCD, Stroke, CHF)
      Others diagnosed living with HCM (or gene +) include - daughter, niece, nephew, cousin, sister and many many friends!
      Therapy - ICD (implanted 97, 01, 04 and 11, medication
      Currently not obstructed
      Complications - unnecessary pacemaker and stroke (unrelated to each other)


      Today's Birthdays