 [ Symptoms ] does ibs lead to crohn is disease or ulcerative colitis [ Disease ] without using health insurance to cover the cost of diagnostic tests your only option is to pay for the services directly but i am not sure why there would be a concern one of the most important changes the affordable care act makes is to no longer allow insurance companies to deny anyone coverage or charge them more because of a pre existing medical condition prior to the law a diagnosis on one is record could make it difficult or in some cases impossible to obtain health insurance outside of a work setting but starting january 1 2014 that is no longer the case you might want to explain this to your parents so that you can get the help you need and insurance coverage to help pay for it