A while ago there was a very sad story in the news. A young seventeen year old cheerleader collapsed on the field during a high school football game.  She was pronounced dead a few hours later at a local hospital.  Most likely she had hypertrophic cardiomyopathy (HCM).

You can’t blame her Medical Insurance company, or her doctors.   Quite possibly she was dead before she even got to the hospital.  Hypertrophic cardiomyopathy quite often goes undiagnosed because there are few, if any symptoms.  Medical Insurance cannot pay for tests for a condition a person does not know they have. The condition is usually genetic with perhaps whole generations of family members having the disease.  Most people with HCM can live a normal life span.  Looked at another way, the folks with hypertrophic cardiomyopathy would not have any trouble getting Medical Insurance because it’s a disease that is not often diagnosed.

According to healthfinder.gov there are some new guidelines issued for genetic heart disease such as HCM. “About 600,000 Americans have HCM, which affects about one in 500 people worldwide.  HCM, the most common type of genetic cardiac disease, alters the way the heart functions and can cause erratic heart beats, obstructed blood flow, and sudden cardiac death.”  The article goes on to say “HCM is widely misperceived as a fatal condition, but a diagnosis of HCM is not a diagnosis of sudden cardiac death.  We now have effective treatments to help most patients manage the condition, although it remains the most common cause of death in the young and in competitive athletes”.

Mayo Clinic reports on several treatments available if you have HCM.  These treatments would be covered by your Medical Insurance.  Also any testing that was done to reach a diagnosis would be covered by Medical Insurance.  Some of the treatments are:

Angiotensin-converting enzyme (ACE) inhibitor to improve your heart’s pumping capability.

Angiotensin receptor blockers (ARBs) for those who can’t ACE inhibitors

Beta blockers to improve heart function

Digoxin increases the strength of your heart muscle contractions

Diuretics makes you urinate more frequently

Perhaps you are searching around trying to get some Medical Insurance for yourself and your family.  You probably have a bunch of Health Insurance Quotes and if you have children with pre-existing conditions you may be concerned.  Not to worry!  All children with pre-existing conditions are accepted for full Medical Insurance coverage regardless of any medical conditions.  The only requirement is that at least one parent or guardian be on the Medical Insurance policy with the child.

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