"PocoLoco" wrote in message
...
On Mon, 31 Oct 2005 01:47:33 GMT, "NOYB" wrote:


"PocoLoco" wrote in message
. ..
What a boat, what a ride, what a fantastic week! I *will* go for another
cruise
on the "Disney Magic", regardless of the number of kids aboard!

The service, food, entertainment, and atmosphere were much more than I
expected.
I had taken three paperbacks to read, along with a new Nikon D70 book,
to
read
rather than be bored.

I finished none of them.

However, we had some bad news waiting for us. My older daughter
underwent
an MRI
which showed three breast tumors.



I'm so sorry to hear that John. She is in our prayers.

Biopsies showed two to be benign, but one is
malignant. Now the younger daughter is very concerned, and wants to have
a
test
of her genes to determine if she inherited the BRAC1 or BRAC2 gene from
her
mother, who died of 'abdominal' cancer. She, however, is concerned that
if
the
test comes back positive, she will lose her health insurance. Has anyone
ever
heard of that?

No. They can't drop her.. If she has group insurance, she can even switch
to another group and can't be turned down. However, if she has
individually
medically underwritten insurance, she'll have a hard time switching
insurance plans if she ever decided to switch later on.



Thanks.

She is in a group plan under her husband's job. He works for a big defense
contractor. I'm glad to hear they can't drop her.


Nondiscrimination - A requirement that group health plans not discriminate
against you based on your health status. Your coverage under a group health
plan cannot be denied or restricted, nor can you be charged a higher
premium, due to your health status. Group health plans can restrict your
coverage based on other factors (such as part time employment) that are
unrelated to health status.

http://www.cobrahealth.com/insurancedefinitions.html