I've been diagnosed with degeneratgive disc and other similar spinal problems. Will the insurance provider at my new employer cover me and if so how do pre existing conditions relate to it? Also, I see a pain management Dr. every other month and he prescribes Lortab for my pain management. Will this be considered treatment for my condition and if so would I have to stop seeing him and taking the meds to qualify for the insurance? I'm not sure I can manage to work with this much pain unless I do take the RX. LOL,,It's always something. I've been trying for almost a year to get Indiana Medicaide so I can have the spinal fusion surgery done but I've had to give up on that and take work in order to survive financially. Any information will be very appreciated. Thanks!
2007-03-20 14:33:43 · 6 answers · asked by Stu N 2 in Health ➔ General Health Care ➔ Pain & Pain Management
Most insurances you get through employers don't have pre-existing condition clauses. My benefits manager at work also told me that as long as you have been covered under insurance of some kind while being treated it is not considered a pre-existing condition, that pre-existing conditions are only an issue if you have NOT been covered under some type of insurance while being treated. When I started my job, I had been in pain management for about 4 months, but I was covered under my husband's insurance during that time so when my insurance benefits started, they paid for my visits to my pain doc and my meds no problem and didn't consider it a pre-existing condition. SO as long as you've consistently had insurance it may not be a problem, but every insurance is different.
2007-03-20 17:34:01 · answer #1 · answered by Mandy VZ 4 · 0⤊ 0⤋
Not all diagnosis are considered pre-existing. Check with your new carrier... If they consider your condition to be a pre-existing condition, it means they can/will refuse to cover any service related to that condition for a specified amount of time. (usually 12 months)
If you have been covered under a health insurance plan, of some sort, with having a gap of 63 days or more, your new insurance will waive your pre-existing condition limitation. You will need to provide them proof of prior coverage.
It is also possible, the new plan may not have a pre-existing condition limitation... Call and find out. All employer group health plans are different. good luck.
2007-03-20 14:45:15 · answer #2 · answered by Custo 4 · 0⤊ 0⤋
Make sure you read the benefits book for the insurance at your new job. Some insurance cover pre-existing conditions. Alot of insurances will never cover pre-existing conditions, and some cover them after a year. Good luck with this. Insurance can be very tricky.
2007-03-20 14:45:34 · answer #3 · answered by ? 6 · 0⤊ 0⤋
A pre-existing condition is a medical problem that you have before you start your new insurance. Since you have already been diagnosed with the condition and you are being treated for it your insurance will probably consider it as a pre-existing condition.
2007-03-20 14:38:50 · answer #4 · answered by luxyfoxy 3 · 0⤊ 0⤋
Some insurances do not require a waiting period for pre-existing conditions, so wherever you work that might be the case. If they do, you will have have a so-many-months waiting period and you can probably pay your own expenses until then. So sorry to hear about your problems. You may be able to get social security disability. It doesn't hurt to ask, all they can do is say no.
2007-03-20 14:40:32 · answer #5 · answered by Sunkist3599 3 · 0⤊ 0⤋
Every new job that I have held has tried to fight paying for my epilepsy meds due to the pre-existing condition clause in most insurance policies...........I have had no problem because of my condition getting my meds. Now, in your case they may fight you a little harder. But, all you can do is try. I know if they turn you down for insurance than you can get state medical insurance but you will have to pay a little more.
2007-03-20 14:39:04 · answer #6 · answered by Nagitar™ 7 · 0⤊ 0⤋