Denial of application for personal medical insurance?

Question

I developed gestational diabetes while pregnant with my second child. Postpartum, my OB/GYN never mentioned my GD and never ordered postpartum blood tests to check to see if the diabetes was gone. My husband went into business for himself recently and we no longer have group medical coverage and applied for private medical insurance. I have been denied coverage because there was no postpartum follow up of my diabetes. Is there anything I can do legally about this?

I am currently not covered by an insurance, so the cost of a lab draw diabetes test would be too much for us to pay. I was wondering if something could be brought up against the Dr, even just a complaint, not the insurance company.

Answer 1

All you have to do is get a diabetes test done and resubmit your application with the results. Be glad that you were not denied for a pre-existing condition. That is what the ins company is looking for. Since they do not know if you have diabetes or not they denied you on that assumption since GD during pregnancy is linked with people developing diabetes later on in life. If you really want to go with this plan then resubmit your test results along with your application. As far as the law goes, you do not have a case. Insurance companies do not have to cover you.

Answer 2

Bring it against the Obstetrician for what? You said it yourself - you had gestational diabetes, therefore when gestation ends so therefore does the diabetes. Any follow up on diabetes would be by your primary care physician who should recognize that you are at a higher risk for adult (Type II diabetes) than the average patient because of your gestational diabetes history.

You cannot blame your OB for not "predicting" the future need for private health insurance that would require an obscure set of additional lab work. See a family doctor and get a work up - if you cannot afford it then that's your choice/ perogative. We all have to decide on our priorities.