Author Archives: Randy Kalp

As a teen, I was diagnosed with Crohn’s Disease. Fortunately, I do not have to take medication to keep the disease in check. For medical insurance purposes, though, this fact does not matter. I am either not insurable because I have a pre-existing condition, or I have to pay a lot more for coverage. The companies do not care that I have not sought medical attention for the disease in nearly two decades. In the eyes of insurance companies, I was diagnosed with a chronic illness; therefore, I will have a pre-existing condition for life. Continue reading →