How Can I Get My Kids Covered by Insurance?
“What are the pros and cons, insurance-wise, of an ADHD diagnosis? A friend of mine has two children diagnosed with attention deficit. They have been denied coverage by two major insurers. Does this denial of coverage also apply to adults with ADHD?”
Although changes in healthcare regarding pre-existing conditions are coming soon, currently any pre-existing condition may be denied coverage by a health insurance company. Any time a claim is filed with your health insurance company, whether the diagnosis is ADHD or not, it is sent to a clearinghouse called the Medical Information Bureau (mib.com). The information contained in your file can hinder your chances of obtaining health insurance, life insurance, and disability insurance. As a result, many patients decide to pay out of pocket for services, and do not file with their insurance company. I suggest that your friend get a copy of her file from the Medical Information Bureau to make sure her information is correct.