I made the mistake of honesty - saying I had been diagnosed as having a cyst on my ovary - when I applied for Blue Cross once. They asked for my records, and then turned me down after they saw that I had cysts and hirsutism. THEY decided I had PCOS and the future health complications (possible diabetes, obesity, heart disease) were too much of a risk - even though I was an otherwise completely normal 23 year old with no other health problems, was 5'9" and weighed 125 lbs. The plan I was applying for did not cover infertility treatment, so I don't think they denied me based on the risk of my needing that down the road. I could only qualify for "high risk" coverage - which was described to me as the kind of coverage they'd give someone with HIV or who was in the middle of battling cancer. It was insane.
I went back to school where the university plan HAD to cover me, spent some time uninsured, and fortunately I'm now covered under my husband's insurance (military) no questions asked.
I know what you're going through - it is a HORRIBLE position to be in. Kat is right, though - don't let the insurance lapse, or it just gets worse.
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Heather (30)
DH (37)
Diagnosed 2002.
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