I was without health insurance from September 1, 2005 until July 31, 2006. Because I didn't have continuous creditable coverage, can my current health insurance deny me benefits for pre-existing health issues such as high blood pressure?
2007-08-04 22:40:02 · 2 answers · asked by flowergirl 2 in Health ➔ General Health Care ➔ Other - General Health Care
yes you have to read if it covers pre-existing issue's . I know bc/bs will cover pre-existing issue`s. . But make sure you read what it covers some don`t cover thing that might come up latter on.
2007-08-04 22:50:26 · answer #1 · answered by idamarieus 2 · 0⤊ 0⤋
Most insurance policies work on the principle of 'uberimae fideii' or 'utmost good faith'. Thus you will be insured for all risks that the policy covers and which you are unaware of at the time of taking out the policy or which may occur in the future after the policy has become valid. However, generally, policies do not cover you for 'preconditions' since you would be asking them to pay out for a risk that has, in effect, already happened. The best thing is to speak to the company so that you are fully aware of what risks are covered and which are not. It may be possible to have a medical examination that confirms that your blood pressure has returned to normal first so that any subsequent increase may be classed as a new condition although they would probably be reluctant to pay out if the high blood pressure was caused by something chronic. When you think about it it's like asking an insurance company to insure your car which has been involved in a crash and then expecting them to pay out. I mean, they wouldn't, would they?
2007-08-04 22:53:35 · answer #2 · answered by quatt47 7 · 0⤊ 0⤋