Re: 4 month old baby denied insurance coverage for being obese
I've tried to get worked up about this all 3 times I've seen the story today, I just can't.
Another link:
http://www.denverpost.com/ci_13530098
The little guy was 8.25 pounds at birth, not 9. He's
more than doubled his birth weight and is wearing size 9 months at 4 months old. If his pediatrician hasn't expressed concern about his weight gain, s/he should have.
Fat babies are not healthy babies.
I'm into nitpicking some of details.
By the numbers, Alex is in the 99th percentile for height and weight for babies his age. Insurers don't take babies above the 95th percentile, no matter how healthy they are otherwise.
By whose numbers?
Is this the numbers the parents reported to the press or is this off some chart used by the insurance company?
If it is taken from a chart I'd like to see it because it sure isn't the CDC chart, which is the standard in the US. Per the CDC chart at 4 months his weight of 17 pounds puts him just on the up hill side of the 90th percentile and his length of 25 inches is on the 50th. That is assuming he was that size on the day he was exactly 4 months old, if he is 4.5 months he's below the 90th for weight and above the 50th for length.
http://www.cdc.gov/growthcharts/data...l/cj41l067.pdf
Neither the baby or his family are
without health insurance because of this, unless his parents were foolish enough to drop their existing coverage before securing a new one.
He wasn't denied coverage by the plan he was (presumably) born under.
Do they have grounds for appeal? Certainly, if for no other reason than the insurance company is apparently not using the growth chart that is the standard.
I'm afraid I'll need some more information before I can get worked up over the "40% increase" in their premiums that led his parents to look for different insurance. Was it $40 or $400 because to me, that is relevant. Having kids cost money, they should have known their premiums would go up, why did they wait until he's 4 months old to start shopping for a new policy?
The reality likely is they blew it of because it really wasn't that important to them...until they couldn't get the insurance they wanted, right at the very moment they wanted it.
Give the kid a couple weeks, I bet the pounds he packed on in preparation for an impending growth spurt (typically one happens around 4 months) will balance out and this is all a non-issue.
But it's far more sensational to go running to the press so it can be spun to support health care reform and snatch 15 seconds of fame.
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