Ok if I JUST enrolled in my medical insurance and I go to the doctor and get numerous tests and stuff done.... will it pay for all of it?(or what its normally supposed to cover) or do you have to build up pay before you can do that. I know this is a stupid question but I'm new to this! Thanks!
2007-07-14 18:43:06 · 7 answers · asked by sjv24 2 in Business & Finance ➔ Insurance
When did the insurance take effect? And is there a waiting period?
It's going to depend on YOUR PLAN. Most of the time, if it's TRUE INSURANCE, the day it's effective, they pick up the costs - as long as it's not a "preexisting condition".
2007-07-15 05:01:09 · answer #1 · answered by Anonymous 7 · 1⤊ 0⤋
There are a lot of factors that could make this a Yes or no answer. Your group plan may not have any pre-existing limitations on it, and if that is the case, you are covered regardless of anything. But, if you went to the doc to get tested on stuff that you have taken RX or went to the doc for in the last 6 months, it could be considered a pre-existing condition if this is PPO plan, and not covered for 12 months. HMO's never have pre-existing condition limitations. I am not trying to avoid answering your question, but I also do not want to give you any wrong information.
2007-07-15 06:06:55 · answer #2 · answered by nurse ratchet 6 · 0⤊ 0⤋
It should cover your tests if it is a group plan. If it is an individual plan you may be subject to a pre-existing condition clause if the tests are for a pre-existing condition. You should check with your insurance agent or plan administrator to find out for sure.
2007-07-14 19:15:51 · answer #3 · answered by Heather M 2 · 0⤊ 0⤋
Medical coverage is a lot more fundamental You do not want existence coverage except you might have dependents that can not continue to exist with out your sales. Don't allow a existence coverage salesman rip-off you
2016-09-05 10:43:49 · answer #4 · answered by ? 4 · 0⤊ 0⤋
As long as you went to a participating provider and they sent your tests to a participating lab, you should be okay. You may have to pay a little copay on the labs, but that's usually small potatoes.
You don't have to "build up pay" - as long as you follow the plan's rules (i.e. participating doctors, referrals if necessary, etc.) your plan is full coverage from the effective date.
2007-07-15 03:38:21 · answer #5 · answered by zippythejessi 7 · 0⤊ 0⤋
all the test will be covered since it is required by the insurance companies. Unless they reject your application and they will refund your premium minus the fees incured.
2007-07-15 01:37:07 · answer #6 · answered by Insurance 3 · 0⤊ 1⤋
It's usually a good idea to find out how much things cost before you buy them.
2007-07-15 14:11:35 · answer #7 · answered by filthadelphia 2 · 0⤊ 0⤋