Q. I have Spina Bifida Occulta but have managed it very well for the 51 years I have been on this earth. I have never been wheelchair bound, always ambulatory. I use lower leg braces during the day while working (truck driver) but take them off at night. I do not use a cane or any other assist. As I am moving to another state, I will be losing my group insurance coverage. An agent in the state I am moving to has found 2 carriers that are willing to write my coverage but will exclude Spina Bifida. Since I have never had any problems why are they excluding my condition? Should I try another agent?
A. Most carriers will automatically decline anyone who applies for individual health insurance and has Spina Bifida, so you should consider yourself fortunate there is any offer at all on the table.
By your own admission, the illness is not costly nor is it limiting in your ability to be mobile and function.
Full coverage will be available under a group plan, but most likely at a cost that is 3x what you will pay for the individual coverage.
I think you need to take the offer.
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I was diagnosed 8 years ago with a back abnormality that the doctors described as "Spina Biffida". I have a ball like defect in my lower back that encompases 3 vertabrea and my tail bone. I also was born with something called Bi-Lateral cervical ribs. This is a genetic abnormality where I was born with 2 extra cervical ribs that come forward straight down onto my rib cage. I had one of these removed 15 years ago to to severe health risks and complications this was causing. I've been desperatly trying to get any information from any one out there that possibly has any info on these conditions. I was toild the chances of anyone having this was < less than .05% of the population in the world. So you see my dilema. I'm now 40 and am expiriencing increase lower back pain,nerve problems down to my knees,of wich I've also already had these both operated on for other problems. If you have any info I'd greatly appriciate it. email me at wpippin224@earthlink.net
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