This illustrates the absolute absurdity of our for-profit healthcare system, doesn't it? A four-month-old is turned down for insurance coverage because he's "obese":
GRAND JUNCTION — Alex Lange is a chubby, dimpled, healthy and happy 4-month-old.
But in the cold, calculating numbered charts of insurance companies, he is fat. That's why he is being turned down for health insurance. And that's why he is a weighty symbol of a problem in the health care reform debate.
Insurance companies can turn down people with pre-existing conditions who aren't covered in a group health care plan.
Alex's pre-existing condition — "obesity" — makes him a financial risk. Health insurance reform measures are trying to do away with such denials that come from a process called "underwriting."
"If health care reform occurs, underwriting will go away. We do it because everybody else in the industry does it," said Dr. Doug Speedie, medical director at Rocky Mountain Health Plans, the company that turned down Alex.
By the numbers, Alex is in the 99th percentile for height and weight for babies his age. Insurers don't take babies above the 95th percentile, no matter how healthy they are otherwise.
"I could understand if we could control what he's eating. But he's 4 months old. He's breast-feeding. We can't put him on the Atkins diet or on a treadmill," joked his frustrated father, Bernie Lange, a part-time news anchor at KKCO-TV in Grand Junction. "There is just something absurd about denying an infant."
Bernie and Kelli Lange tried to get insurance for their growing family with Rocky Mountain Health Plans when their current insurer raised their rates 40 percent after Alex was born. They filled out the paperwork and awaited approval, figuring their family is young and healthy. But the broker who was helping them find new insurance called Thursday with news that shocked them.
" 'Your baby is too fat,' she told me," Bernie said.
Up until then, the Langes had been happy with Alex's healthy appetite and prodigious weight gain. His pediatrician had never mentioned any weight concerns about the baby they call their "happy little chunky monkey."
His 2-year-old brother, Vincent, had been a colicky baby who had trouble putting on pounds.
At birth, Alex weighed a normal 8 1/4 pounds. On a diet of strictly breast milk, his weight has more than doubled. He weighs about 17 pounds and is about 25 inches long.
"I'm not going to withhold food to get him down below that number of 95," Kelli Lange said. "I'm not going to have him screaming because he's hungry."
UPDATE from Raw Story:
Rocky Mountain Health Plans, a Colorado health insurer, announced in a press release Monday that they will cover "heavy" babies after a story revealed the insurer had denied coverage to a healthy infant who weighed 17 pounds.
"A recent situation in which we denied coverage to a heavy, yet healthy, infant brought to our attention a flaw in our underwriting system for approving infants," Steve ErkenBrack, president of the insurer said in a release Monday. "Because we are a small company dedicated to the people of Colorado, we are pleased to be in a position to act quickly. We have changed our policy, corrected our underwriting guidelines and are working to notify the parents of the infant who we earlier denied."
