Our friend Michelle is raising an amazing daughter. Unfortunately, Cigna doesn't think she's a "normal" child.
Cigna told Michelle that if Nat were born "normal" that they would have covered speech therapy for her if it were required as the result of an accident. I don't know about you, but I'd call an extra chromosome (Down Syndrome, also known as trisomy 21 is the result of two copies, either full or partial, of chromosome 21) more of a miracle than an accident. Why should Nat be penalized for not fitting Cigna's definitions of "normal" or "accident"?
Nat has shown amazing gains from physical therapy and would likely make great strides with concentration on speech. Sadly, Michelle will not see her child make those gains since she cannot afford speech therapy outright. If, however, it was covered under the several hundred dollar monthly insurance premium, then Nat would have a better shot at becoming what Cigna considers "normal".
I don't know about you, but I cannot figure out how Cigna is getting away with this since, under the ACA, insurance companies can't discriminate based on pre-existing conditions. It doesn't get much more pre-existing than this! Nat was born this way, it is her condition, it is pre-existing and Cigna should be required to pay for treatment for this fantastic girl.
Please sign my petition to raise awareness not only about Cigna's stance, but also to show how important it is that we continue reforming health insurance in this country until everyone, especially those currently paying for it, receive the care they need without having to worry if it is covered.