If you have been denied health insurance coverage because of celiac disease, chances are it was by a smaller insurance company that carries higher liability because of less members paying into the till and a higher risk rate of health claims. Without getting into the discussion about whether it’s fair or not to deny someone with a “pre-existing condition,” let it suffice to say that you are encouraged to put your best effort forward to state that your case should be accepted.
Even though being diagnosed with celiac disease becomes a “preexisting condition” in the eyes of an insurance company, it’s a diagnosis with the silver lining of preventative maintenance. Left undiagnosed and not managed through a permanent gluten-free diet, celiac disease can lead to further and more serious complications, thus claims, which you now have a greater chance of avoiding. Any insurance company should look at a celiac diagnosis, particularly early diagnosis without the presence of long-term complications, as a prognosis for better health, not the other way around.
A gluten-free diet can be considered one of the healthiest diets around, and it’s quite possible that other nonceliac conditions may be avoided or better managed, a gluten-free diet has been found to help other conditions such as arthritis, multiple sclerosis, autism, and diabetes. Your diagnosis and subsequent diet could possibly reduce the risk of future claims. And if an insurance company says they can’t be sure you’re complying with the diet as grounds for denial, offer to periodically undergo testing for antibodies and the results will reveal your compliance!
Don’t delay. Call your insurance company to ask for the contact information of the appropriate person to send a letter to, state your case adamantly, and have your situation reviewed and reconsidered.