I apparently have a kidney disease ?Or, at best, a 50% chance of having it as my 5 year younger brother was just diagnosed.
Autosomal Dominant Polycystic Kidney Disease (ADPKD)
My issue is, I am 48 and have NO insurance. The disease is apparently genetic.
I was thinking about buying a high deductible insurance policy next year because frankly, I figured I will be having a heart attack sometime in the next 10 years or so.
My question is, since i have not been tested or diagnosed would insurance cover me if I bought it ? Would there be a delay, like a year or would they never cover me at all ?
Finally, is it safe to ask my Dr about it or would that screw up any chance of being covered by insurance assuming I indeed have it and I probably do.
Posted by JolieVoila
If there's no documentation of you having the disease, then you'll be fine.
Posted by FRANCES W
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Posted by JohnB
Please check into this extensively yourself, but here are some things that I know that may point you in the right direction. First, since there is no treatment or cure for PKD, there is no need to find out if you have the disease. Look for the symptoms and treat the symptoms. A typical symptom is high blood pressure.
As for insurance, it has been my experience that as long as you have not been diagnosed with a disease, you should not have problems obtaining coverage.
Good luck to you and your family.
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