Spina Bifida

September 8, 2006 by bob.

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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