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Re: asthma- usa
Originally Posted by nadnad
(Post 6396770)
do we think that him having asthma will affect medical insurance permiums. we seem to be using up the inhalers frequently in uk. i wonder how much will it cost to look after him in the usa? his symptoms have not been serious so far- he has wht they called a cough variant asthma.
Read my article from the post above.....that is what RAD is |
Re: asthma- usa
thanks for the article on RAD. you can call diseases by a different names but its difficult to differentiate RAD from childhood asthma on symptoms- the treatment for the two is the same though. he has responded to his inhalers but then RAD would too as i said.
he has been diagnosed as having asthma by a paediatrician here( obviously no allergy tests done) |
Re: asthma- usa
Originally Posted by nadnad
(Post 6396814)
thanks for the article on RAD. you can call diseases by a different names but its difficult to differentiate RAD from childhood asthma on symptoms- the treatment for the two is the same though. he has responded to his inhalers but then RAD would too as i said.
he has been diagnosed as having asthma by a paediatrician here( obviously no allergy tests done) Did they check his Blood Gasses? His Peak Flow? Has he had to use a breathing machine?(Nebulizer)? The reason is it can differ when applying for insurance, it would be better to have RAD as a pre-existing than asthma. |
Re: asthma- usa
Originally Posted by nadnad
(Post 6396651)
thank you sue for the list- i will refer to tht before choosing a city.
as far as investigating asthma in nhs- handed 2 inhalers is wht we got. try and see how he responds. i can see the logic behind it- saving money. it will be difficult to find wht he is allergic to without allergy tests - which i doubt will be done under nhs. And the NHS is full of shit on the asthma thing. Had to put up with that crap all my childhood. Always told 'avoid pollution', use these inhalers, blah, blah, blah.... nothing else we can do. Here, I was tested right away. Same day I knew: cats, grass pollen, maple pollen, dust mites, juniper pollen. Within 6 months of allergy shots I was mostly symptom free again. Never needed to use a ventolin-type inhaler in the 15 years I've been in the US because they treated more than just the symptoms. (In fact I was told here that the more you use ventolin, the less effective it is - the UK docs refused to discuss this with me although I had noticed.) The insurance company pays 100% on my allergy shots and testing - I can't think of anything else they pay outright, so that tells you what really saves money. (Edit: Of course I'd be a little surprised if they recommend shots for a 3 year old, but he'll certainly have more options here.) As for insurance premiums, if your insurance is through work, it will likely be a group plan that disregards pre-existing conditions for the purposes of money. If you pay your own insurance, then it might be a slight issue. |
Re: asthma- usa
[QUOTE=Sugarmooma;6396869]Did they check his Blood Gasses?
His Peak Flow? Has he had to use a breathing machine?(Nebulizer)? The reason is it can differ when applying for insurance, it would be better to have RAD as a pre-existing than asthma.[/QUOT blood gas is a very painful test and was not indicated in him. he will not comply with a peak flow because of his age he has not used a nebuliser- cause his symptoms are well controlled on inhalers via a spacer. i will ask the paediatrician if he thought of RAD and if he thinks he would rather name it that. |
Re: asthma- usa
Originally Posted by AdobePinon
(Post 6396938)
No offense to Sue, but I don't think the list is helpful to you at this stage - it doesn't say why asthma is 'bad' in each place listed.
And the NHS is full of shit on the asthma thing. Had to put up with that crap all my childhood. Always told 'avoid pollution', use these inhalers, blah, blah, blah.... nothing else we can do. Here, I was tested right away. Same day I knew: cats, grass pollen, maple pollen, dust mites, juniper pollen. Within 6 months of allergy shots I was mostly symptom free again. Never needed to use a ventolin-type inhaler in the 15 years I've been in the US because they treated more than just the symptoms. (In fact I was told here that the more you use ventolin, the less effective it is - the UK docs refused to discuss this with me although I had noticed.) The insurance company pays 100% on my allergy shots and testing - I can't think of anything else they pay outright, so that tells you what really saves money. As for insurance premiums, if your insurance is through work, it will likely be a group plan that disregards pre-existing conditions for the purposes of money. If you pay your own insurance, then it might be a slight issue. Just beware though, even if insurance is through work a "rider" can still be put in place for a year if it is already a pre-existing diagnosis. |
Re: asthma- usa
Originally Posted by Sugarmooma
(Post 6396950)
Just beware though, even if insurance is through work a "rider" can still be put in place for a year if it is already a pre-existing diagnosis.
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Re: asthma- usa
Originally Posted by AdobePinon
(Post 6396964)
In that case, I'd load up on the inhalers before coming here, get signed up on the insurance with no pre-existing diagnosis, wait a few weeks, and then go get diagnosed on the new insurance. After all, they can't get your UK medical records without your help. (If nothing else, it's already apparent that he'll still need a diagnosis in language US docs can understand :lol: )
......now I didn't actually say that;), but seeing as none of the actual "asthma" diagnosis tests were even done I would be inclined to agree.......:p |
Re: asthma- usa
Originally Posted by Sugarmooma
(Post 6396950)
Just beware though, even if insurance is through work a "rider" can still be put in place for a year if it is already a pre-existing diagnosis.
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Re: asthma- usa
Originally Posted by Tracym
(Post 6396412)
Dunno - I remember coming down from the mountains, and could see the haze in the valley.
Folks attributed it to the mines - maybe they were wrong. |
Re: asthma- usa
Originally Posted by KJ2007
(Post 6397123)
Interesting. Phoenix was once considered a haven for folks with respiratory problems - though I suspect that relates to a lack of pollen, etc.
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Re: asthma- usa
Originally Posted by Tracym
(Post 6397109)
Not through a group policy - if the NHS is considered creditable coverage, which I believe it is now. I have another thread going re. this.
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Re: asthma- usa
Originally Posted by Tracym
(Post 6397127)
It was - but I think they've planted all the icky pollen plants there since.
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Re: asthma- usa
Originally Posted by Bob
(Post 6397136)
yeah, but it's the same problem as before of getting proof...
Website stating that all British citizens are covered comes to mind. I have seen polilcies state that there are acceptable alternatives to a certificate. Of course, caveat - we haven't tried it ourselves yet. |
Re: asthma- usa
Originally Posted by KJ2007
(Post 6397123)
Interesting. Phoenix was once considered a haven for folks with respiratory problems - though I suspect that relates to a lack of pollen, etc.
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