I talked to our insurance agent (who is a lovely and kind woman, from what I can tell) today. I asked her if I needed to disclose what specialists KayTar is seeing, even if it is for an undiagnosed condition. She said, yes, they would need that information on the application.
She said, "What specialists is she seeing and why?"
I skirted the issue a bit, "Well, like a neurologist and geneticist for some unresolved neurological concerns."
Then she said, "Kyla, do you guys have any other options?"
Yes and no. Yes and no.
Taking a pay cut to qualify for CHIP is our last resort.
She said, "Oh good. CHIP. That would take care of her for sure."
It is good that we have a fall back plan.
But it is bad that we have to contemplate taking a pay cut to get our child insurance.
It is bad that although we have the money to pay for insurance and are willing to do so, we might not have access to it.
It is bad that when an insurance company looks at her application, they will deny it because the amount they will have to pay out exceeds our premiums.
It is bad that kids like KayTar and their parents have to jump through these hoops just to make sure their children are protected.
It is bad that children are just dollar signs for these companies and that unfortunately, my little girl happens to have a negative sign next to her.
Then the agent said, "But you know, I've heard that to qualify for CHIP you have to be without insurance for three months before being accepted."
And that is bad, too.
It just shouldn't be this hard to protect something this precious.
Update: I had the agent look over our application once I had completed it and she said, "I am not hopeful for [KayTar]." Dude. When your insurance agent thinks you'll be denied, it is not a good sign. I asked her if it is even worth wasting the application fee if denial is a sure thing, but I'm waiting to hear back. I keep thinking that this can't really be happening, but it totally is. She will be without insurance in two weeks. Unbelievable. It kind of makes me feel like this: