The “pre-existing condition” is a pivotal decision-making factor for insurance companies when granting or denying health insurance coverage to an individual. People have been denied health insurance countless times because of a “pre-existing condition,” including celiac disease, and many times the insurance company does not want to assume the possible health care costs associated with the individual who has the condition. Without getting into the reasons why you can be denied coverage, many of which can be infuriating, the answer is yes: you could be denied health insurance coverage in the future as a result of being diagnosed with celiac disease.
If you are currently covered by health insurance and have just been diagnosed, your coverage will remain with full benefits. The concern arises when you decide to apply for insurance coverage on your own, without the umbrella of assistance that comes with a workplace-sponsored insurance program. If you suspect you have celiac disease and would like to get tested, you need to ask yourself: Would a positive diagnosis be worth the risk of possibly being denied insurance coverage later in life? If you’ve been living a gluten-free diet and feel remarkably better than you ever have and have no intentions of going back, but don’t have a positive medical diagnosis, you have to decide if you want the diagnosis on your medical record.
Wanting to know if you have celiac disease or if your children have it is natural. But unfortunately, the way the insurance structure is, getting diagnosed and getting that “pre-existing condition” mark is a personal decision only you can make. Just knowing a gluten-free diet works well for you or your children may be all you need to know, and a positive medical diagnosis is not worth the possible future frustrations when filing for a private health insurance coverage.