Testing reveals that an apparently healthy child has genetic alterations suggesting hemophilia A.The child's parents are concerned that their insurance company may drop their coverage or increase their premium.How should the nurse respond to their concern?

Question

Quizplus · Accepted Answer

The correct response is to assure the parents that their child is protected by federal legislation, specifically the Affordable Care Act, which prohibits insurers from denying coverage or increasing premiums based on a pre-existing condition. This will alleviate their concern and help to build trust in the healthcare provider. Option B is incorrect because the insurance company cannot refuse to pay for medical expenses related to a pre-existing condition. Option C is incorrect because there are ways to protect against this possibility, which the nurse should discuss with the family. Option D is incorrect because protected health information is covered by privacy laws and is confidential, even after the child turns 18.

Testing Reveals That an Apparently Healthy Child Has Genetic Alterations