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Conditions and Diseases > Gout Forum > Gout And Health Insurance
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Q: Gout And Health Insurance
asked by: creativepart on March 28th, 2006
New User
During a physical in 2003 my uric acid numbers were high in my blood test. So, my Dr. Suggested and prescribed allopurinol 100 mg a day. I took it for a while and after about a year I stopped taking it.

I've had no problems with gout... That I know of or sought treatment for.

But recently we moved from one state to another. We had blue cross blue shield insurance so we just moved it from the previous bcbs to the current state's bcbs. However, since I put the gout word on my application bcbs has first declined my initial application and then when bcbs forced them to accept my policy they raised the $365 premium I had at my old state to $2,048 a month at my new state.

They have claimed it's because I have both "hypertension" and "gout" combined. Even though i've never had a gout attack or any problems from my hypertension they claim that the two together are a serious problem for health insurance carriers.

Have any of you other folks run into this problem? I have no major medical problems of any kind and have only rarely even had more then $250 in claims in any year. So, i'm having a hard time understanding how high blood pressure and gout could cause such a response.

Thanks
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JYY2
replied on March 30th, 2006
Experienced User
Fyi,

* hyperuricemia (high blood uric acid level, ua >7 mg/dl) and gout are not synonymous. About 80~95% of hyperuricemic people never have gout in their life time. To me, you were hyperuricemic but you do not have gout.


* some studies have shown hyperuricemia and hypertension are associated with cardiovascular diseases. That does not mean hyperuricemia causes cardiovascular diseases. I have not read that when hypertension and hyperuricemia are under control, they can cause higher risk for cardiovascular diseases.

* I wonder if you can find a cardiologist and a rheumatologist to help you keep the blood pressure and uric acid level in the normal range and testify to the insurer that you do not have high risk for cardiovascular diseases.

* appeal your case to the state insurance commission.

* since there is big money involved it may be worth it to talk to an attorney who specilizes in medical insurance.

Good luck.
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