Welcome to Insurance Lovers From the Mailbag: CTE or no CTE?

Interesting query from a reader:

"My sis went to the MD because of roughly symptoms she's been having (memory loss, moodiness inward add-on to headaches). She's a cyclist, inward add-on to used to race competitively, inward add-on to suffered concussions inwards the past. The MD thinks she could perhaps own got CTE. She hasn't done whatsoever testing because from what she knows there's no treatment for it.

She does own got health insurance through her spouse's employer, but wants to know if she gets this testing inward add-on to it's inwards her records that she has CTE could that injure her inwards the hereafter for insurance purposes? Like if she has to switch insurance companies etc.

I know right forthwith it wouldn't affair because of ACA. But what if things modify if/when they repeal it? The agency I e'er understood pre-existing weather condition status before ACA was that yous could non own got a gap inwards coverage. So if yous own got insurance inward add-on to you're diagnosed with a status yous are covered. If yous switch insurance inward add-on to inward that house is no gap inwards coverage it can't endure considered a pre-existing condition. But if yous hit own got a gap inwards coverage it could spill under pre-existing conditions. Is that how it worked before? Who knows how insurance is going to modify inwards the future. She's but trying to figure out if she should but non hit it inward add-on to jibe off inward add-on to see

First, Thank You for a genuinely outstanding, skillful encounter out query. There's a lot to unpack, hence I'll endeavour to endure every combat thorough every combat possible.

Here's the thing: we genuinely don't know what's going to last on (or when, or flush if) ACA-wise. If we conk back to something that looks like pre-ACA, inward add-on to hence yes, this is a legitimate concern. But the cat's already out of that bag:

"went to the MD because of roughly symptoms she's been having"

Assuming new applications await like pre-ACA, inward add-on to hence she's going to own got to answer yeah to at to the lowest marker 1 of the questions ("have yous consulted a physician"). It may non endure explicitly CTE, but it's in all likelihood going to endure an issue, although I own got no encounter how much of one. But: this presumes a new app. Again, assuming something that looks like 2009, every combat long every combat she keeps continuous coverage group-to-group (or COBRA), no problem. However: that only genuinely worked individual-to-group, or group-to-group, not group-to-individual (or individual-to-individual).

From what I've read, CTE is kinda like Alzheimer's inwards that it's only genuinely diagnosable at autopsy. While endure we're only able to infer its presence. So seek out or not? I don't know, but I would advise taking the insurance chemic gene section out of the equation, inward add-on to await only at pro's/con's of "knowing."

Hope this helps, inward add-on to best of luck to your sister-in-law inward add-on to her family.