child health plus in NY

[psshh03]

My DD just switched from medicaid to child health plus (in NY) and the lady called with a bunch of health questions. We have already been approved and received the insurance card. When she asked if DD's vax were up to date, I lied and said yes...but she has not had a single vax...it was a kneejerk reaction because I was unsure if DD would lose coverage if she was not vaxed.

Does anyone know if they can deny her coverage because she is not vaxed?

I hate lying. I feel like I should call back to correct it but only if she will not lose coverage. Another mom suggested that I answered the question correctly because she is up to date on the schedule WE'VE created for her (and our doctor is great and supports our decision).

Thanks!

[Marnica]

I think private insurance companies can deny coverage for this reason, but medicaid programs and state/federal funded programs cannot.

Personally I wouldn't bother calling back. You DD is up to date on YOUR schedule.

[calebsmommy25]

My ds was switched from medicaid to child health plus a year ago. We never got a call like that. Weird. We haven't had many problems, but we really don't go to the docs either. My ds hasn't had any vaxes since 6 months...thankfully I am now better informed.

[crunchy_mommy]

Originally Posted by Marnica

I think private insurance companies can deny coverage for this reason

Is this true? (Not to hi-jack the thread, I've been wondering this & wondering if you had more info.)

[phathui5]

We use Child Health Plus for the kids, don't vaccinate, and haven't had any problems with coverage.

[Marnica]

Originally Posted by crunchy_mommy

Is this true? (Not to hi-jack the thread, I've been wondering this & wondering if you had more info.)

Yes....it's true. There have been moms on here who have been denied coverage. If you get insurace through an employer with a private company, they can't deny you coverage, but if you are self-employed and just looking to purchase insurance from a private company, I guess they can. I was surpised as well, but it's happened to people here. Maybe one of them will chime in.