Whitney's Page
My daughter Whitney was diagnosed with
Chronic
Inflammatory Demyelinating Polyneuropathy in February 2002. She is
only one in about two million people in the United States with this condition.
This is a neurological problem so rare that most
neurologists never see a patient with it, ever.

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It starts slowly, almost imperceptibly. Imagine yourself as a fit young
athlete, an experienced competitive swimmer, a dancer and a musician. One
day your hands and toes start to tingle after a shower or a bath. One
Saturday morning you find you can barely complete your first lap at a swim meet
even though you've been doing five miles per night at practice for months.
You subsequently discover you can't stand on your toes. You can't lift
your legs high enough to get on the school bus. Your clarinet keys are so
difficult to press down you can no longer play it. You fall on the stairs
and land on your head. You
can't even squeeze your tube of toothpaste. That's what happened to
Whitney, in just a couple of days. This is her story, in diary form as events unfolded.

Whitney turned 15 on December 31, 2001. Around the middle of
November
of 2001 she got very tired. Extra sleep didn't seem to help. I thought it was just from too many activities, or maybe a virus.
She started walking slowly and didn't seem to lift her feet right. She
fell a couple times at school. The family doctor ran some blood tests,
suspecting anemia, mononucleosis, thyroid, the standard stuff. Went back
the following week to review the results. Everything was normal but she
still felt terrible. A quick exam revealed she had no knee reflexes.
She couldn't stand on her toes or heels. The doctor ordered an MRI and
planned on forwarding the results to a neurologist. Although the doctor
was obviously perplexed, there was no indication of an emergency.
That night I sent an e-mail to a retired neurologist I had met at an
investing club in Cincinnati. He wrote back immediately but I didn't check
my mail until morning. He said there was no time to wait for an MRI.
She needed a complete neurological exam immediately, because he feared
this might be leading to a partial or even total paralysis. He also posted
my description of Whitney's symptoms on a neurology bulletin board. Two
other doctors, one in Houston and another in Kuwait, agreed with him. The
likely diagnosis was Guillain-Barre
Syndrome. Using my friend's pull we
got in to one of the top neurologists in Dayton within one hour. Good
thing, too because if the three doctors were right Whitney might have needed a
respirator to stay alive. Fortunately it did not come to that.
December 15: First neurologist visit. We brought the letters from
the other neurologists with us.
Our doctor agreed with the internet diagnosis, and the tentative diagnosis is
indeed Guillain-Barre
Syndrome. This is quite rare (only about one in a hundred thousand
people get it). If it is GBS, she will almost certainly recover, possibly
within months, maybe longer. It could turn out to be something even more
unusual called CIDP,
only time will tell. If it's CIDP she will slowly get worse. If that
happens they will either treat her with high dose immunoglobulin
therapy or plasmapheresis.
Recovery from CIDP is also likely, however it can reoccur again later in life.
Initially the doctor thought it might be a good idea for her to spend the
night in the hospital but after consulting with a few other doctors he let her
come home. Her mother started sleeping with her so she could make sure her
breathing was all right. We left his office at 7PM Friday night after an
exhaustive four hour examination. He
will do a spinal tap on Monday.
Tests Whitney has had:
Nerve
conduction velocity test (NCV)
Electromyography
test (EMG)
Spinal
Tap
December 17: Her doctor performed the spinal tap in his office.
Lots of people have trouble with these, mostly severe headaches. Whitney
tolerated it quite well. It will be a few days before we get the
results. If we have a high protein count without an elevated cell count it
will support the diagnosis.
December 19: I met with Whitney's teachers today. She is
not strong enough to go to school. She has had to give up dancing,
competitive swimming, cheerleading and all of her other activities. She had trouble squeezing a half-full toothpaste tube
last night so I gave her a full one which she could handle better.
I provided a handout for the teachers about GBS so they might get a better
understanding of what she is going through. I brought a clothespin with me
just to illustrate the fact that she can't squeeze it closed without using both
hands. They are a great bunch of people and promised to help her any way
they can. The school has an elevator that would get her to classes, but
she is mortified about having anybody seeing her in a wheelchair. I don't
think she has the energy to sit in it all day anyway. Most days she
doesn't wake up until about 11 AM. School starts around here at seven.
I guess we will be looking for a tutor.
We went to the Christmas dance recital tonight. Whitney watched,
but of course couldn't be in the program. She was totally exhausted from
just sitting up for so long. Boy, I hope this starts getting better soon. Whitney can't go up or down
the stairs without help. She is being a good sport, cheered up by one of
the neurologists who explained that her brain is working just fine, it's only
the muscles that are having trouble.
A couple of nights ago she thought the computer keys were getting
"sticky." I hope that's not an indication of more weakness.
No complaints for the last two days. I am watching.
December 23: Whitney and I went shopping for a Christmas gift using a
wheelchair. Yuck. You should see the people stare.
December 26: We went to the neurologist to review
the final results from the spinal tap. As suspected she has an elevated
protein count and a normal cell count. Whitney seems to be stable, neither
getting worse or better. I think she is doing better because
she is sleeping less, acting more alert and cheerful and getting around more
under her own power. However her knee reflexes are still non-existent.
The doctor has decided that we will wait another month and see how she does.
Her body might be able to heal itself. One of the test results suggests
that she may respond well to plasmapheresis if she needs it. That's good
news because there only three treatment options. He also said that while
exercise will help keep her muscles in tone, it will not help her nerves heal
any more quickly. We've been advised to expect this to continue for six to
nine months, and even that is a pure guess. He signed a letter encouraging
her school to provide a tutor and set us up for a handicapped parking tag good
for a year.
January 12:
Whitney's high school has graciously provided a tutor. We are very
grateful for everyone's help. She continues to sleep until around 11
o'clock most days, and needs help coming down the stairs. She fell down on
her head once, and that was enough that we have made a new rule: No stairs
without help. On good days her energy level slowly builds and once in a
while she will start homework around eight PM and continue on for several hours.
On bad days, she lies on the sofa, rests and watches TV. Her occasional
bursts of energy are followed by periods of exceptional weariness.
In the early fifties my sister had Polio. I was too young to realize
its seriousness. I now have a pretty good understanding of what my parents
must have gone through. It was bad.
January 25:
We ventured out to Wal-Mart for a shopping trip. Midway
into the store Whitney was having trouble with her knees. I went back up
front and got a wheelchair for her. We have one at home too, but she has
been unwilling to even consider using it since the Christmas outing.
January 26: We Whitney went to the YMCA to try a little workout on
some exercise equipment. She did pretty well with the machines that
exercise upper body strength. Two of their machines exercise lower leg
muscles. In one you sit facing forward, hook your legs under a bar and
lift up. On the other you lie on your stomach and lift the legs. She
could do neither, even at the lowest settings. These two outings have left
her extremely tired. It is amazing to see in such a previously fit young
athlete. Next week her neurologist will perform another
to test her progress in a more objective way. We think there will be a
small improvement from the December tests. He has already told us to
anticipate 9 to 12 months before this is over. From what I gather he
really can't be sure. There is not a lot of research to guide him.
January 29:
I did a little research on the prospects for a full recovery. I
have copied them here because
the author chose such a noisy background that you would have trouble reading it.
It is not cheerful reading.
February 12:
The neurologist performed another nerve conduction velocity test today.
Her body is not healing itself; it is actually getting worse.
(Specifically: Motor nerves normally send signals through the lower legs
at above 40 Meters/second. In December she was 20, today 15.) Her
arms have worsened too, although they are still better than the legs. The
doctor has subsequently revised his diagnosis to Chronic
Inflammatory Demyelinating Polyradiculoneuropathy. About two
people in a million have it. CIDP is officially listed as a rare disease with the National
Association of Rare Disorders. People with Guillain-Barre Syndrome
usually recover and don't get it again. CIDP patients might not be so
lucky.
We are going to begin IVIG
therapy as soon as arrangements can be worked out. She will have the first
treatment in a hospital because there can be complications from a possible
allergic reaction. Later ones will be done at home by a company that knows
how to administer these things.
Whitney does not like getting stabbed with needles and shocked by the stun
gun they use in these tests. She secretly arranged for the EMG technician
to test me with the stun gun on my hands. After a few zaps the lady said,
"Are your fingers numb?" I said, "Sometimes, can you see
that?" Of course she could. Then she tested herself for
comparison. What a difference! I must be at the point where I'm
starting to fall apart. I don't really care if my fingers get numb.
Whitney is the one who needs a break.
February 18:
Whitney needs the immune globulin treatments soon. We are working with
the insurance company to make sure this is covered because it is very expensive.
So far they are not willing to pay. Immune globulin is considered to
be a blood product and not a drug. If she had needed a drug they would
cover it. It is a white powder. It does not look like a blood
product to me, and it says Rx on the box. Rest assured Whitney will get
what she needs regardless. It is very sad that the insurance company wants
to draw such a fine line between what is covered and what is not, especially
when IVIG is considered the "standard of care" for CIDP by the
American Medical Association. The other alternatives cost even more.
Shame on them. I can recall some slogans. "Like a good
neighbor" is one. Another is "Solid partners, flexible
solutions." Right, show me.
February 20:
Whitney will receive the first of five daily immune globulin infusions
tomorrow, only at home instead of at the hospital because of some communication
problem between the doctor and the insurance people. We don't like this
one bit. Complications can range from a rash to difficulty breathing to
worse. Whitney can't wait any longer. She could be looking at
permanent and irreversible nerve damage. Wish her luck.
A prayer wouldn't hurt either.
February 21:
The first infusion was difficult for Whitney and
traumatic for us. About fifteen minutes into the infusion Whitney's
heart rate became irregular and her blood pressure rose quite a bit. We
had a shot of epinephrine standing buy and the medical squad was on call to take
her to the hospital if need be. The nurse slowed the rate way down, and
Whitney tolerated the rest quite well. A one and a half hour procedure
took four, but at least she did not have a severe reaction and the squad was
able to stay at the firehouse. Whitney was OK, Denise and I were exhausted
by the stress. A few month later the nurses fessed up. They had been
freaked out too.
What the heck was I doing subjecting my kid to a procedure at home which
the doctor said should be done in a hospital? I'll tell you. We had
battled with the insurance company for over a week. The possibility of
irreversible damage was staring us in the face. We felt like reckless
gunslingers.
At least the remaining infusions should be relatively easy because the risk
of an allergic reaction has passed.
February 23:
Whitney has had two ivig treatments with another scheduled for this evening.
This morning for the first time since November she can:
- Snap her fingers.
- Stand on her toes.
- Lift her big toe off the floor while standing erect.
- Squeeze a clothespin all the way open with one hand.
We never expected such a rapid change! According to my internet
neurologist friend, results like this are often reported after ivig therapy.
Nerves are beginning to talk to muscles again. This indicates the nerves are
probably not irreparably damaged. The neurologist is very pleased, as are we.
Her drugs cost $66,000 a pound (including postage). Fortunately Whitney
did not need that much; only about half as much as a McDonald's hamburger.
Is it worth it? You bet.
Two more treatments to go.
February 26:
Finally, really good news! A day after the immune globulin
infusions ended Whitney can:
- Go up and down stairs by herself.
- Do her hair and paint her nails.
- Dance across the living room.
We actually took a short stroll through a mall. We are stunned at the
speed of her recovery. The doctors advise taking it easy so as not to
injure the muscles because they have been resting for a long, long time.
My little girl is rapidly coming back to us! What do they put in that
immune globulin anyway? I think I need some too.
March 17:
I hear the sound of a clarinet playing. It's Whitney. Her fingers
can press the keys! Today marks exactly four months to the date when she
crashed at a swim meet (the first sign that anything was wrong). She does
not quite sound like Benny Goodman or Woody Herman, but she sounds pretty darned
good to me!
March 22:
Whitney's neurologist has pronounced her 70% recovered. Her reflexes
are still only partial in her arms and totally lacking in her legs. That
seems surprising since she is getting around much better. But tests are
tests. We have to do exercises for the next month to measure progress or
the lack thereof. She could continue to make progress on her own or she
could stabilize or even decline. Unless she keeps getting stronger
he wants to give her steroids for a month to keep the healing process alive.
You never know with CIDP. Whitney has already refused these because she
searched some web sites that showed her the side effects of taking these over
the long term. I tend to agree. These make your head get fat, make
your eyes squinty and thicken your waist. Not quite what a beautiful
teenage girl might look forward to. We will be looking for alternatives.
There are only two: More IVIG or plasmapheresis, discussed above.
May 26:
Whitney was able to get back in school before it was over for the
summer. She made the honor roll every grading period, including during the
time when she was sick. She was just elected to student council for her
upcoming Sophomore year. This summer she will take a break from
competitive swimming and just be with her friends again. I'll be teaching
her how to drive. I have a van. She hates them because they are not
cool. She doesn't think I have the patience to be a 'cool' driving
instructor either. Who, me? She must not realize that I am the
world's best driver. No sweat.
Today she marched with her high school band in our Memorial Day parade, just
like old times.
And so at this point the updates will have to pause for a while. Maybe
a month, maybe six. CIDP
can be a relapsing disease; there may not be an end. But we hope so
and we're praying for it to be over.
June 18:
Whitney seems to be relapsing. Her walk is not quite right, her grip is
weak and some fingers are numb. We saw the neurologist today, one month
ahead of schedule. She will probably need another round of immune
globulin. He is going to wait ten days. In case she has a 'bug' that
is draining her limited resources, this should give it time to go away. If
not, then we are set for another round of ivig, 15 grams per day for five
days. It worked really well last time, no reason to change tactics yet.
That's another $13,000, my friends. That's ok. She needs it and it
worked well last time. I'm sorry it did not last forever, but we can try
again. And we can do it before she gets as weak as before. So we are
encouraged.
The insurance company is still unwilling to pay for the first cycle.
Hello? This is the primary approved treatment for CIDP according to the
American Medical Association. I think the problem the insurance company
has is that it costs a lot of money. I say tough. Isn't that why you
buy insurance, to protect your own family from being wiped out? These
companies have two objectives: 1) Bring in money. 2)
Keep it. At this rate if Whitney lives until she is 75 her drug bills will
be over $2.5 million. Our policy won't run out until we hit $6
million. Then again it will never run out if these cheap folks won't pay
the first dime. We are going to launch an all-out effort to make these
people honor their obligations. So far I have not named the parties.
Once we start official actions I will. And it will be soon. You mess
with my kid and I mess with you. With a vengeance!
July 9: Whitney needed more infusions of immune
globulin. This cycle is finished. This stuff works. She was
weak, now she is strong again. The speed of the transition is really
amazing. I just wish it would last forever rather than just four
months. Our neurologist is still not sure if we can stop this stuff dead
in its tracks or not. Most likely, we cannot. (That's why they call
it 'chronic'.) He is planning on a maintenance dose of ivig once per month
for the rest of 2002. Then he will stop and see if we've been
successful. If not he is considering chemotheropathy. That can mess
up your ovaries and create damaged babies. We might be able to harvest
some eggs before that starts so Whitney can have a chance to become a mother of
a perfect baby. Time will tell.
October 21: Whitney had one immune globulin infusion per month in July,
August and September and will continue for the rest of the year. They seem to last about 25 days before she starts
complaining about feeling 'weak.' It is October 21 and she is sliding
backwards, having a little trouble walking, climbing stairs and gripping things
with her hands. We are going to do three more, once a month for the rest
of the year. If we can pull everything together we'll do the next one in
two days. Darn. The neuro had hoped she might be able to shake
it. Not so far. People do get dependent on this stuff. Looks
like she might be one of them. We got a letter from a parent whose 15 year
old boy has the same thing. He's had a much tougher time of it and can't
tolerate ivig. He spent 15 days in the hospital, and has to wear a leg
brace to hold his toes up so he can walk. This is nasty business.
Our neurologist is consulting with Dr. Jerry Mendell, who is one of the top guys
in the field. He is chairman of the neurology department at
Ohio
State. We're confident she's getting the best care there is.
This
link will take you to a web site that the neurologist use. Type in
chronic inflammatory demyelinating polyneuropathy and it will show you the
latest 300 or so research papers on the subject. I've read most of
them. They will pretty much show we are doing the right stuff. There
are a few experimental procedures, but there is little if any follow-up.
It's a very limited field, thankfully with few victims.
November
26: Braces came off today. That's one to remember.
She turned out pretty good, wouldn't you agree? While still taking immune globulin once a month, Whitney is
leading a normal life once again. She is active on her high school swim
team and keeping a heavy schedule which starts at six AM. We are looking
forward to a happy Thanksgiving and Christmas together. Some
of the fears that plagued us during the last holiday season have subsided
somewhat. We're not guaranteed to be out of the woods yet, but it is truly
going to be a 'thankful' Thanksgiving.
December_14_2002
On December 12 the neurologist decided to move up the next immune globulin
infusion about a week earlier than planned. Whitney was complaining about
feeling week again, and we could tell she was not walking quite right. She
decided she was too weak to participate in her dance class Thursday
night and the swim meet last night. Still, she wanted to go to the meet so I
took her over just to watch. It is always warm and humid at the pool, and after half an hour
she felt faint, dizzy. I brought her home. She had a bit to eat and slept for
fourteen hours.
The nurses started the infusion at 11 today and it took five hours, about 1
1/2 hours longer than normal. Her blood pressure was a bit lower than usual at
the start. This particular nurse is pretty good about running it slow, but about
1 1/2 hours into the procedure Whitney got very cold, sleepy and started shivering
violently. Even though she has tolerated this reasonably well in the past, today
was an exception. IVIG can make you go into shock and it's not something
to fool around with. The nurses stopped the flow, put a call into our
neurologist and gave her something warm to drink. He
prescribed some ibuprofen and more benadryl and told them to resume when she was
stable. (Once ivig is prepared with distilled water it has to be used quickly or
tossed out. At $2,500 a pop you don't want to throw it away,
either!) They kept the flow rate very slow
and the rest went in ok. It was pretty scary for non-medical people like me.
Tonight she has the high school Christmas dance. Two hours after the infusion
ended she had another friend over to help with her hair. Then two dates showed
up for a quick dinner. They are about ready to go out and party. It is amazing
to see your kid all curled up shivering like a nearly-frozen animal and then
three hours later be ready to party. That's what Immune Globulin can do
for you when you need it.
One of the boys commented how she was walking funny going upstairs. Of course
he has never even contemplated the realities that Whitney has faced. I was
pretty upset over his remark but tried to remind myself that the boys have a total lack
of understanding, and deserve some slack.
I think she is pushing pretty hard, but it is hard to say no.
I did, well, sort
of. There will be no after dance party; she will come straight home. Tomorrow will be a day of
rest. Maybe we'll get a Christmas tree. Last year Whitney picked one out
while watching from the car because she couldn't walk. This year she
should be able to get out and choose one by herself. Small steps, but
important ones. The kind of improvement that sends tingles through my very
soul.
I'm getting the feeling that this ivig will become a way of life every three
weeks or so.
IVIG
infusion #19, February 13, 2003
June 9, 2003
We've continued the Immune
Globulin infusions every month for about a year and a half. Sometimes
they have a very good effect, sometimes only a small one. By the end of 30
days Whitney has noticeably weakened and looks forward to the next round.
Today her neurologist said she needs to somehow avoid
these "down" periods for her
CIDP
to ever have a chance to go away. He has decided to add steroids to the
treatment regimen. As soon as the arrangements can be worked out, she will
get infusions of
Solumedrol for five days in a row. Then she will take
Prednisone tablets for a week starting with a high dose and tapering off
gradually. In about a week we will do another infusion of immune globulin.
All told, that represents about eighteen hours hooked up to a catheter and an iv
bag in little over a week. There are side-effects from the Prednisone, too.
Going forward we expect Solumedrol and Immune Globulin
infusions to be done monthly, probably at the same time, followed up by more
Prednisone.
Next week Whitney will take her first real college class
at Wright State University.
She was one of only twenty five high school kids accepted into this special
summer program. She will be taking a ten week sociology class along with
older college students, cramming it into five weeks. Some of these days
she will have a catheter in her arm. How will she carry her books?
I'll have to think about that.
September 2, 2003
Immune globulin infusion. Now we are using a
metering pump. This controls the flow more precisely than the nurses can
do it. It's also programmable and it increases the flow in several steps.
That makes it easier to take and minimizes the potential for a bad reaction.
This one took five hours and Whitney needed four more hours to recuperate.
She is at the grocery store with a friend. Doing quite well.

December 2, 2003
Whitney has been doing amazingly well for months, doing
everything a normal kid wants to do.
This morning started off like any other infusion day.
Two nurses showed up at eight am and mixed up the immune globulin. The
infusion began around nine. Connie was able to get the line in with only
one stab, which Whitney appreciated. We are using a metering pump.
This is very helpful because we need to start slow, then speed up the flow in
steps. Going too fast can cause shock or heart failure; serious business.
Although we've done lots of these without a problem, today Whitney developed a
fever of 101 and started shaking from the cold she was feeling, even before the
pump was set to ramp up from slow to medium. We stopped the pump and
covered her with six blankets. She asked for something hot to drink and
for a hot water bottle. The nurses paged the doctor. He thought she
might be having a reaction to this particular batch of ivig and told them to
quit and throw the rest out. A mere eighteen hundred dollars down the
drain. Better that than to keep pumping in more stuff that she could not
handle. The problem is, she has to get this stuff to stay alive.
There are few other choices.
We will see the doctor three days from now for an
already-planned visit. Then we'll see what he wants to do next. God
bless him, her life is in his hands. He knows that, too. He is a
good guy and we trust him.
Nobody ever said coping with CIDP would be easy, and it is
not.
December 23, 2003
Whitney has had CIDP for two years now. Today her
neurologist once again conducted a series of tests to electronically measure her
nerve responses. There was, unfortunately, no improvement over last year.
He was obviously concerned with the results, and made a point of saying that
he's been treating her 'very aggressively.' (I've studied this a great
deal and that is absolutely true.)
Whitney's body is still attacking itself. Her immune
system is confused and thinks there is an invader that has to be eradicated.
The effect is that the fatty tissue that surrounds the nerves begins to
dissolve. Left un-checked, raw exposed nerves could be destroyed
permanently. We are not at that point.
Our doctor wants us to see Dr. John
Kissell at Ohio State University. He is a
well-known specialist in this field. Other neurologists have also
recommended him. OSU is only an hour from home, which will be good if we
have to go there often.
Here are a couple of links about Dr. Mendell. If you
read the links I think you will be impressed. We are going hi-tech and
pulling out all the stops.
Link 1
Link
2
Thank you all for your prayers and for your support.
April 7, 2004
We saw Dr. Kissell at Ohio State today. He was so
impressed with Whitney's strength he actually asked why she was here. We
said, 'because she still has no reflexes and her nerve conduction velocities are
only 30% of normal' (about what they were two years ago). Kissell sees a
lot of CIDP patients, and in his opinion neither is likely to change much.
That is not what I've found in the literature, but you have to remember he is
one of the guys on the cutting edge of the research. I respect his
viewpoint. His most important measure of a treatment's success is her
ability to function well and live a full life. She is doing that, albeit
with two infusions per month. (Infusions are not like shots. They
involve a lot of fluid and must be dripped into the bloodstream over a matter of
hours.)
He decided to try eliminating the steroid infusion and
increase the amount of Immune Globulin. That's good because there are more
problems associated with long term steroid use than there is with IVIG.
He also told us there is only a five to fifteen percent of ever getting off of
it. Oh well, so long as it works we'll be happy. Whitney has a six
million dollar cap on her insurance policy, so she should be ok financially even
if IVIG costs almost a thousand dollars per week (which it does).
March 2006
Whitney has recovered quite well and is now in college. Here she is in
the center surrounded by dorm friends. She is once
again able to do just about anything a normal teenager can. She remains
dependent on IVIG infusions every three weeks.

December 2006 Starting to do some
professional modeling.

Here she is (on the left) working as a FAN girl in
2008. That's the
radio station that covers Ohio State football. Go Bucks!

Phi Beta Kappa -- May 20, 2008.

Graduation June 2008.

Next stop: Moritz College of Law, Ohio State
University, August 2008.
July 2009: Whitney has not needed an infusion since
January. Dr. Mendell thinks her CIDP may be in remission. I
can tell you this: She now has the power to actually hurt me when
she squeezes my hand. That's a long ways from a few years ago when
she could barely hold a pencil. Since she is doing so well, how
about a trip to Europe? Here she is with her law school roommate
getting ready to head over to Oxford, England for some summer study.

-------------------------------
If you made it to the end of my journal, I strongly encourage you to
check your medical insurance policy. Take a look at your prescription drug
section. Our policy has a deductible for prescription drugs of $500.
In reality because of the exclusion, IVIG falls under major medical. In
our case this means that what I thought would cost us $500/year actually costs
very serious money, each and every year.
Does YOUR policy exclude coverage for blood
products? If so, start shopping for a new policy immediately! "Blood
products" sounds pretty unimportant; that is, until you or a family
suddenly needs them. That seemingly minor exclusion could put you on the
hook for literally thousands of dollars out of pocket per month, forever.
Don't let the insurance companies do this to you. Find better health
coverage and after you've secured a new policy, fire your
present company for selling such a worthless policy.
I don't know all the companies you should avoid, but here are three.
I've disguised them a bit so the web indexing machines don't find out.
Read the capital letters. These are bad guys. They have exclusions
nobody would ever pay attention to (except me). They take your money and
do not protect you.
F*7^O$%R*#T@!I*S^
T**I*()M&_E
S4T3A#T@E_F*A^@R#M
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