Community | October 21, 2009 | 4 comments

Florida Woman's Rape Called A "Pre-Existing Condition" By Insurance Companies

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A Florida woman, who is a victim of sexual abuse, claims that rape was called a "pre-existing condition" by several health insurance companies, which would have disqualified her for care.

In 2002, Chris Turner, a health insurance agent from Tampa, Florida, was drugged and raped during a business trip. When she conferred with a doctor after her assault, Turner was prescribed preventative anti-HIV drugs, and she later entered counseling to help deal with the residual psychological effects of her rape.

A few months later, when Turner was forced to buy new insurance on the individual market, she suspected, based on her knowledge of the approval process, that she may no longer qualify for coverage. She called a series of insurance underwriters and asked them about a hypothetical client who had been raped, and every insurer she called had the same response: "Nope, we won't take her." Turner's treatment for her rape, it turns out, constituted a pre-existing condition that the companies said would disqualify her from coverage.

Turner spoke about her situation at the launch of the National Women's Law Center's "Being A Woman Is Not A Pre-Existing Condition" campaign yesterday.

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