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Our “New” Health Insurance


Shortly after our visit of April 3rd to discuss Zachary’s condition with a new pediatrician, we received a call from the health insurance company that had been sitting on our application.  They were asking what the April 3rd visit had been about.   I answered, honestly, that I suspected Zachary had autism and that I needed to discuss it with a pediatrician.  Later, they called again and stated there was “a problem”... that they could not cover Zachary but that they would be willing to cover Fred, Anika and I.   The representative stated that they “would not touch Zachary for fifteen years!”  We inquired about coverage with a $5,000.00 deductible for Zachary...just looking to cover “catastrophic” losses like a transplant or something.   Little did we realize how even $5,000.00 goes nowhere in today’s medical “machine”.   Still, they refused to cover Zachary at all!  


I could not believe it...but then I did.  After all, insurance companies were in the business to make money.   When you wanted the real answer to something, unfortunately, in today’s society, look no further than the all mighty dollar!  Fred and I decided that if this company refused to cover Zachary, the entire family would no longer require its services.   The appalling thing was that later, this same company would again solicit our business... that was, everyone except Zachary.    Sure, “we will insure you”, I thought to myself, “as long as you were young AND healthy!”.    Again, we informed them we were not interested in their services.   In our hearts, we could not ethically pay premiums to a company that refused to insure our son.    Like so many American families, we decided to go without insurance.    Sure, we had had “insurance” in the past, but, you get what you pay for...a small co-payment of $10.00 buys you exactly that... a $10.00 visit...with “care” worth about the same.  After all, Zachary had been to the clinic or to immediate care on numerous occasions, yet, all the signs were “missed” could that be? 



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Things have a tendency to disappear on the Internet, but I can often find where the information has been moved or find replacement links addressing the same issue.  There is a lot of information provided on this site and any assistance with broken links is most appreciated.   My site has now been hacked twice.   If you get bounced to sites for online drugs, etc., report this to me at once using the above email as this is a result of hacking on my site.  This had nothing to do with me and/or my site.  Read more on hacking issue.

DISCLAIMER - The statements here mentioned and/or found in my materials have not been evaluated by the FDA or any other government agency or person in the medical field or in behavior therapy and are not meant to diagnose, cure, treat or prevent any illness/disorder and/or behavior.  This information is not intended as medical advice or to replace the care of a qualified healthcare physician or behavior therapist.  Always consult your medical doctor or behavior therapist.  All information provided by Jeanne A. Brohart on her website is for INFORMATION PURPOSES and to GENERATE DISCUSSION ONLY and should not be taken as medical advice or any other type of "advice".  Information put forth represents the EXTENSIVE RESEARCH and OPINIONS of a mother based on her experiences and research and provides information as it relates to one family's journey with autism in hopes that other families may benefit from this experience and/or research.  The creator of this site is not responsible for content on other sites.

DISCLAIMER - PART II - Now... for those of you who think "mother at home researching" means "uneducated person with unfounded information"... I have 10 years of university... 3 degrees... and over 30,000 hours of research into these areas.   For anyone who thinks my research is "unfounded"...  read the RESEARCH FILE posted on my home page... with its over 1,000 references ... for your reading pleasure... because... quite clearly... you haven't read it yet!   Breaking The Code - Putting Pieces In Place!©