Down syndrome is a genetic condition in which a person has 47 chromosomes instead of 46. Raising a child with Down’s syndrome, according to parents of these children, brings joy and not regrets. In a study conducted by doctors at Children’s Hospital in Boston among 2,044 parents, 79 percent reported their outlook on life was more positive because of their child with Down syndrome.

How does Medical Insurance play a part in Down syndrome?  There are some (not many, but some) Medical Insurance carriers that will cover pregnancy on individual Medical Insurance plans.  If you need help finding a Medical Insurance carrier that does cover pregnancy please give us a call at Insurance Medics and a broker will be happy to assist you.  There is no cost to you for health insurance quotes. When you have a pregnancy rider on your individual medical plan all pre-natal care is covered, but you cannot be pregnant when applying for coverage.

There are several different ways of detecting Down syndrome.  It would not be appropriate to examine every single pregnancy for Down syndrome by doing amniocentesis.  Amniocentesis is a diagnostic test.  A screening test is also available and is much safer for the fetus and is less costly for the Medical Insurance carrier.  Screening tests have a much greater chance of being wrong than a diagnostic test does. So, medical professionals have set up at risk categories termed high risk and low risk.  Today, after the diagnostic testing is completed parents are given the results of both the high risk tests and the low risk tests.  Your Medical Insurance carrier will pay for the tests but sometimes there is a deductible to be met.  The risk of having a baby with Down syndrome rises above the 1 in 250 mark at the 35th birthday of the mother.

If your baby has Down syndrome he/she will have some medical situations to deal with, especially related to the heart, vision and hearing.  Medical insurance will help you with such expenses.  Also, if you were unable to obtain Medical Insurance before your baby was born, know that Medical Insurance carriers can no longer deny children coverage because of pre-existing conditions.  One of the parents must be on the Medical Insurance policy with the child.

Here is an excerpt from the web site First Things about the joys of parenting Down syndrome children:  “She has taught us compassion for those who are not as strong or so-called perfect and beautiful”, says Annelies Reilly of Boxborough, Mass. “We see her as perfect and beautiful.”


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