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Adoption is a pre-existing condition

Several years ago, I stepped out of my car, slipped on some ice, and ended up with permanent nerve damage in my knee. The medical term is Complex Regional Pain Syndrome (CRPS). I'm extremely fortunate that my condition can be managed through medication. Unfortunately, as my husband and I are self-employed, we do not qualify for health insurance. I knew I wouldn't, but I was surprised when we were told we shouldn't even apply for my husband because we were adopting. Adopting made him an expectant father, and insurance won't cover expectant parents, even if those parents are adopting.

We were able to get expensive catastrophic coverage that doesn't cover my medications. I have had to take half of what I am supposed to take, because that's what we can afford. My husband unexpectedly lost his job, so now we can't even afford the catastrophic coverage. I'm hoping we'll qualify for the pre-existing coverage through the state in 6 months, or that my husband will find a job as a full-time employee.

—RobynCA
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