Kidney Donor Denied Health Insurance on Grounds of Preexisting Conditi
Kidney Donor Denied Health Insurance on Grounds of Preexisting Conditi...
Jenn Ackerman Radburn Royer lost private health insurance after donating a kidney. That's what happened to Radburn Royer, 57, a retired high school teacher in Aitkin, Minn. His daughter, Erika, 31, was on dialysis three times a week because of from lupus. "I had to help her," he says. So, like any potential organ donor, Royer was carefully screened, found to be healthy and allowed to donate a kidney to his daughter, who is no longer on dialysis.
But now, Royer can't get private health insurance. Instead he buys coverage from the state's Comprehensive Health Association high-risk pool, which costs him $130 more a month and has a higher deductible.
Savings, resources and news for your well being. Before his daughter's transplant, four years ago, Blue Cross and Blue Shield of Minnesota provided Royer's health insurance. But it rejected his application for coverage last year and has turned down several appeals. The reason: "chronic kidney disease." Blue Cross and Blue Shield cites the higher than normal creatinine levels in his blood, Royer says. Creatinine is an indicator of how well a kidney is functioning, and donors tend to have higher levels.
Blue Cross and Blue Shield declined to comment on Royer's case but said a person with one kidney who tests within normal ranges would be a strong candidate for coverage.
Unfortunately, Royer's dilemma probably won't be resolved until 2014. That's when provisions in the take effect to prevent insurers from denying coverage due to preexisting conditions.
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Donate a Kidney Lose Health Insurance
You may have trouble getting private insurance if you' re an organ donor
How can a perfectly healthy father donate a kidney to his daughter and then be turned down for on the grounds that he has a preexisting condition?Jenn Ackerman Radburn Royer lost private health insurance after donating a kidney. That's what happened to Radburn Royer, 57, a retired high school teacher in Aitkin, Minn. His daughter, Erika, 31, was on dialysis three times a week because of from lupus. "I had to help her," he says. So, like any potential organ donor, Royer was carefully screened, found to be healthy and allowed to donate a kidney to his daughter, who is no longer on dialysis.
But now, Royer can't get private health insurance. Instead he buys coverage from the state's Comprehensive Health Association high-risk pool, which costs him $130 more a month and has a higher deductible.
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Savings, resources and news for your well being. Before his daughter's transplant, four years ago, Blue Cross and Blue Shield of Minnesota provided Royer's health insurance. But it rejected his application for coverage last year and has turned down several appeals. The reason: "chronic kidney disease." Blue Cross and Blue Shield cites the higher than normal creatinine levels in his blood, Royer says. Creatinine is an indicator of how well a kidney is functioning, and donors tend to have higher levels.
Blue Cross and Blue Shield declined to comment on Royer's case but said a person with one kidney who tests within normal ranges would be a strong candidate for coverage.
Unfortunately, Royer's dilemma probably won't be resolved until 2014. That's when provisions in the take effect to prevent insurers from denying coverage due to preexisting conditions.
You may also like:
Remember to go to the every day for great deals and for tips on keeping healthy and sharp. Cancel You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits. Your email address is now confirmed. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age. You can also by updating your account at anytime. You will be asked to register or log in. Cancel Offer Details Disclosures