Tuesday, October 23, 2018


Thirty-five years ago, our first son was born and, expecting only good things, we happily paid the extra health insurance premium to add him to our policy. 

A few weeks later, the health Insurance company wrote saying they had denied coverage of his medical expenses based upon a determination that he suffered from “a pre-existing condition in the womb.”  He was born with two “medical anomalies” – physical issues that threatened his life and required immediate hospitalization.  He had a tracheoesophageal fistula (meaning there were abnormal connections between his esophagus, carrying food to his stomach, and his trachea, carrying air to his lungs).  And to complicate matters, he only had one lung.  There were no known genetic syndromes to explain his troubles and there had been no expectation of prenatal developmental issues until shortly before he was born when I developed preeclampsia.

At the time when the insurance company was deciding to deny him coverage, the medical team was optimistic about his chances for survival.  He had been born with robust APGAR scores (tests done immediately after a baby is delivered to find out if he had any noticeable neurological, cardiac, or other difficulties).  After he was born, he could breathe on his own.  He was fed through a tube and, with that tube, he was able to receive and benefit from my breast milk.  The doctors and nurses were optimistic that they could help him survive and thrive.  That was not to be the outcome, however.

He never left the ICU at Children’s Hospital Boston.  He had numerous prolonged surgeries – unsuccessful, almost desperate, attempts to remove the fistulas and to restore his esophagus.  He ended up on a ventilator to breathe for him.  Strong drugs were given to ensure he didn’t move and to help him tolerate the high vent settings.  Constant blood draws were required to test his oxygen levels and blood chemistry.  As the months went on, he suffered from daily “blue spells” when his breathing would stop because gastric juices from his stomach would make their way into his lung.  Eventually he died of “cerebral atrophy” – his brain no longer functioned.  A brain scan was done - the inside of his head looked like a shriveled-up walnut.  All those blue spells had deprived his brain of oxygen and there was nothing left inside.  He died after nine and a half months in the intensive care unit with all the high-tech supports available to him BUT without a dime of insurance money available or paid .
I had been pregnant my entire third year of law school and, with my newly acquired legal research skills, I scoured the law libraries to find a way to get some kind of health benefits for our struggling son.  My husband and I spent hours and hours contemplating what bankruptcy would do to our lives – what we thought would be tens of thousands of dollars of debt turned into hundreds of thousands in the blink of an eye.  Eventually I was able to file for benefits through Medicaid because, under an obscure state regulation, our son became a financial ward of the State after residing in the hospital for a month.  His health care was paid for – but not by the insurance company that received and cashed our premium check.  And not until great emotional harm was done to everyone involved – my husband and I faced both our son’s prolonged dying and our own financial death; the doctors and nurses who were made aware of our plight through the billing office; and the legal services lawyer who helped us pursue and procure government benefits for our son as a last resort.  It was a nightmare that is vivid even thirty-five years later.  I shared recently that I suffered an “Anna Karenina” moment when a train rushed by me at Park Street Station as I held a new medical bill in my hand while my son’s body rested in a grave.  I despaired then and I despair now for any other young parents who face the double tragedy of having a child with medical troubles and having to find a way to pay for medical care when they are denied insurance coverage because of a “pre-existing condition in the womb.”  

Carol L. Powers, JD
Co-Founder and Chair of the Community Ethics Committee
Center for Bioethics, Harvard Medical School


  1. Hello there, I discovered your website by the use of Google at the same time as searching
    for a similar topic, your web site came up, it seems good.
    I’ve bookmarked it in my google bookmarks.
    Hi there, simply changed into alert to your blog thru Google,
    and located that it’s truly informative. I am gonna be careful with Brussels.
    I will appreciate when you continue this in future.

    Numerous other people can be benefited out of your writing.

    apartments for sale in istanbul

    1. Greetings to everyone reading this testimony, I am Dan Morgan, i am here to
      testify of a great man who was able to cure me permanently from herpes
      Disease just with his herbal medicine,i have been herpes Positive for 5
      years before i came across Dr voodoo Email on the internet on how he has
      been using his herbal medicine to treat and cure patients from different
      virus, so i contacted him and i explain to him concerning my problem, i
      followed up with the instructions he gave me and he urge me to have faith
      in his words that he was going to restore my health back, after some couple
      of days Dr voodoo sent me some medicine which he gave me prescription on
      how to take for 2 weeks, to make the long story short, I have been
      confirmed Negative from my recent test in the hospital, just within 2 weeks
      Dr voodoo was able to make me healthy and see reasons to live again, though
      science says there is no cure, i believe God has sent this great man to
      save people, you can all contact him for his medicine, he has presently
      been treating diseases like,CANCER,BLOOD DISEASE,DIABETES,HIV,TYPHOID, and
      many others, you can contact this man on voodoospelltemple66@gmail.com.or
      add him on whatsApp +2348140120719, God
      Bless you sir!

  2. Thank you for sharing the story. I feel so sorry for what they had been gone through and the cruelty of insurance company.

  3. You make so many great points here that I read your article a couple of times. Your views are in accordance with my own for the most part. This is great content for your readers.
    best source for Download Latest PC Software

  4. i want to thank Dr Eboh for the herbal HIV medicine he gave to me and my daughter, i was suffering from HIV when i gave birth to my daughter and that was how my daughter got the sickness indirect from me, but to God be the glory that i am heal with the herbal medicine that Dr Eboh gave to me when i contacted him. i want to use this medium to tell everyone that the solution to our sickness has come, so i will like you to contact this great healer with him all your pains will be gone, i am really happy today that i and my daughter are cured of HIV, we are now negative after the use of his medicine,my doctor confirm it. once more i say a big thank to you Dr Eboh, His Website: https://holycurecenter.wordpress.com for healing hands upon my life and my daughter, i say may God continue to bless you abundantly and give you more power to keep helping those that want your help in their lives. email him now he is waiting to receive you. holycurecenter@gmail.com or add him on whatsapp +2348053823815.


    1. HIV/AIDS
    2. HERPES
    3. CANCER
    4. ALS
    5. Love spell
    6. Lotto Spell

  5. Hi,

    Thanks for sharing this great post keep up the good work your article is very informative i am also running a chatting website with some top country chat room such as

    Muslim Chat Room / UK Chat Rooms / Urdu Chat Room / Strangers Chat Rooms

  6. Thanks for sharing this great post keep up the good work your article Best Cordless Vacuum reviews is very informative i am also running a chatting website with some top country chat room such as

  7. It was really a nice article and i was really impressed by reading this article
    clinical data management

  8. Most of the time I don’t make comments on websites, but I'd like to say that this article really forced me to do so. Really nice post! Thanks for this blog. provided great information. medical imaging data storage

  9. for the best coupons and deals you can go on paybackdollar.Paybackdollar have more then 5000 store of the world
    and paybackdollar have the best quality and quantity. if your inerested go on givining link
    coupon code

  10. for the best coupons and deals you can go on paybackdollar.Paybackdollar have more then 5000 store of the world
    and paybackdollar have the best quality and quantity. if your inerested go on givining link
    kohl's free shpping mvc

  11. for the best coupons and deals you can go on paybackdollar.Paybackdollar have more then 5000 store of the world
    and paybackdollar have the best quality and quantity. if your inerested go on givining link
    coupon code

  12. The gift village. An South-African E-Commerce site which have a lot of products for you. We have products for babies, men, and women. there are many discounts on many products come and get the discounts. We have hundreds of products for you, your family and Loving ones.


  13. In the event that one of those billers happens to be out, there are various billers there to fill in, guaranteeing that no work is left until that biller is back in the workplace. This implies there is no interruption in the Billing Process and no hiccup in the income got.CPT CODE 11400-11406

  14. Love to read it,Waiting For More new Update and I Already Read your Recent Post its Great Thanks. Buy Hemp Gummies

  15. Thank you for sharing your great blog that shows some interesting deals real relax massage chair

  16. It is significant that you document a medical negligence guarantee at the earliest opportunity. In Minnesota there is a constrained measure of time that you can guarantee misbehavior.squamous cell skin carcinoma

  17. Send Gifts Under $10 , Send Gifts to Pakistan , Send Corporate Gifts
    If you are looking for gift delivery in Pakistan? We warmly welcome you to https://www.thewoodvalue.com/ Because we offer you one of the best wooden handmade art & craft decor items to send gifts Pakistan. A variety of Pakistan handicrafts, home decor, office decor, kitchen decor and wall decor are available at our online store. We offer online gift shopping in Pakistan with free delivery. The Wood Value is great way to send wooden handmade gifts as corporate gifts.


  18. Thanks for sharing this amazing article, it is very informative post good work keep it up.
    palmetto state armory coupon

  19. The use of the patient's specific identity, this will help to ensure that the medical interpreter is given the right medical information for the respective patient for interpretation.miracle pill


  20. Our client can choose any of them as per their convenient. We are also open to send our angels any other place of your choice. Female Escorts in Mahipalpur are waiting eagerly to meet you. You need to decide whether you want to meet them at home or at any hotel. If you are facing any challenges in arranging any place, let me inform you that we have tie-ups with 3 start hotels as well as 5 start hotels. Check our other services...
    Russian Escorts in Mahipalpur
    Call Girls in Gurgaon
    Escorts Service in Gurgaon
    Escorts in Gurgaon

  21. It is also vital that you tell the doctor if you have had a reaction to medication you have taken in the past. If you are a woman and there is a chance that you may be pregnant, the doctor needs to know as the medicine may be harmful to the foetus.CBD gummies

  22. Mankind as a whole will realize that trying to find out everything about the symptoms of disease is like trying to investigate all the possible problems that darkness could cause to a person who has no light to see the path along which he is walking. male enhancement

  23. Nowadays, there is a hardened challenge in the market of voice overs. Insofar as an individual claims an amplifier and has a voice, the person in question can wander into the business and publicize themselves on the web as expert voice overs.Urdu Voice Over

  24. Are you having troubles in getting your Ex Lover back, having marital problems, infertility, financial instability.
    Why are you bordering yourself about your lover/husband/wife breaking up with you, its time you get all your problems solved with the help of my PERMANENT SPELL CAST powers.
    Am specialized in all types of spell casting such as
    Love Spell ( to get your ex lover, husband or wife back )
    Lottery Spell
    Money Spell
    Pregnancy Spell
    Job/Contract Spell
    Health Spell
    Wealth Spell
    Good luck Spell
    Life Spell
    Spiritual Spell
    Beauty/Shape Spell
    Trick Spell
    Fantasy Spell
    Spell to win court cases
    Am always here to help you solve all your problems and grant you all your heart desires through my spell powers.
    My PERMANENT SPELL CAST is 100% guarantee sure. Do get to me to help solve your problems now on Email: padmanlovespell@yahoo.com. website: https://padmanspell.com/index-3.html

  25. I admit that there was a little mix-up during the deliverance of the final files and that caused a little delay in the end, but otherwise the service and the design was flawless. We had hired a designer before stumbling upon your website, and we had wasted quite a bit of money only to end up with a moderate design, so we were quite pleased after working with you and receiving the end product. After seeing your reviews and some of your previous work, we realized that you will deliver professional custom logos at an affordable price and decided to take a gamble and we are quite happy to have done that!
    affordable logo design
    cheap logo design


  26. Indian Business Pages is a commercial information search service provider with accurate and authentic data of micro, SME and MNC businesses across India. The business is organized on a simple 3-tiered network that enables us to reach every corner of India.

  27. Great knowledge, do anyone mind merely reference back to it non erection

  28. Pretty good post. I just stumbled upon your blog and wanted to say that I have really enjoyed reading your blog posts. Any way I'll be subscribing to your feed and I hope you post again soon. Big thanks for the useful info. click here

  29. Medicare can be perplexing, all the more so when you combine complex health issues and the need for medical aids such as oxygen or hospital beds. While the insurance maze can be difficult to traverse, an estimated 47.5 million people received this program in 2010, which is more than a sixth of the nation's population.singapore supplier of 3 ply mask

  30. This is very educational content and written well for a change. It's nice to see that some people still understand how to write a quality post! read more

  31. This type of medication is a newer type of medication that targets other neurotransmitters than serotonin. Some of the medications may target serotonin as well as other neurotransmitters or without the serotonin. CBD gummies

  32. Love to read it,Waiting For More new Update and I Already Read your Recent Post its Great Thanks. destructeur de diabete forum

  33. By being examined by another physician, the patient can determine whether the relevant action was one that a reasonable physician would have made. Reasonable minds can differ when making patient care decisions and not every procedure with a negative outcome constitutes medical malpractice. https://www.testextextile.com/product/disposable-medical-face-masks/

  34. You make so many great points here that I read your article a couple of times. Your views are in accordance with my own for the most part. This is great content for your readers. two shot injection mold

  35. Your post is nice and helpful.

  36. Realizing that emergencies may take place during the flight, these professionals are in charge of the patient's well being every step along the ESC® Organic ingredient manufacturers way. They should have all of the required certifications for safe medical air transport.

  37. Great content in the field of medicines. It will help a lot of us you can also visit
    Beauty Blog

  38. Best Corporate Video Production Company in Bangalore and top Explainer Video Company in Bangalore , 3d, 2d Animation Video Makers in Chennai

    Great tips! But one more thing we would like to add here i.e Browser compatibility is also a must.

  39. Use of clinicians who have the basic foreign language skills to communicate with patients and doctors instead of qualified medical interpreters, medical services providers might resort to use of clinician who may have a little knowledge in a particular language understood by the patient. 남성중점치료병원


  40. Want to find coupons. Find best coupons on our website. Visit
    promo Code

  41. Your post is nice and helpful and very informative and nicely done. Thanku
    Mom Blog Names

  42. It is important to take an active role in your health care by being a participating member of your own health care team. Work with your doctor, nurse, and pharmacist to learn as much as possible about your prescription. free medical advice