insurance
Question:
Hi everyone.. Just a quick question– my dad’s insurance drops me when i turn 23 even though i am still in school (graduate school)… anyway, i am looking around at insurance companies, and is PCOS and insulin resistance considered a pre-existing condition??? might i be turned down for insurance because of this?? is there a way to get around it?? anyway, just curious and if anyone had any experience with this.. i am looking into getting blue cross/ blue shield because that is all that is affordable here in missouri.. thanks in advace! 
) Becky
Response:
beckers…@aol.com (Beckers123) wrote in news:20020218220152.26980.00001843@mb-ma.aol.com: > Hi everyone.. Just a quick question– my dad’s insurance drops me > when i turn 23 even though i am still in school (graduate > school)… anyway, i am looking around at insurance companies, and > is PCOS and insulin resistance considered a pre-existing > condition??? might i be turned down for insurance because of > this?? is there a way to get around it?? anyway, just curious and > if anyone had any experience with this.. i am looking into getting > blue cross/ blue shield because that is all that is affordable here > in missouri.. thanks in advace! ) Becky
All I can tell you about insurance is that it varies greatly. My insurance through my employer is blue cross, and they did not cover pre-existing conditions for 1 year, but after that it was fully covered. Shop around and be sure to ask questions and get answers in writing (such as a copy of the policy) rather than relying on word-of- mouth interpretations beforehand. — —->Sagittaria<—- !gc (http://alumni.cse.ucsc.edu/~dylan/mgc/)
Response:
Blue Cross will treat PCOS as a pre existing condition…but how would they find out youve already had treatment for it? There is nothing in the rule book of life that says you cannot go find a new doctor temporarily and get yourself a brand new diagnosis and then change back to your other doctor in a few months if that’s who you’re happy with. Remember, YOU will be paying them (quite a bit of money) month by month to help you get better…don’t let them tell you you’re unable to get treated because of some rediculous rule. Good luck! Jen "Beckers123" <beckers…@aol.com> wrote in message
news:20020218220152.26980.00001843@mb-ma.aol.com… – Hide quoted text — Show quoted text -> Hi everyone.. Just a quick question– my dad’s insurance drops me when i turn > 23 even though i am still in school (graduate school)… anyway, i am looking > around at insurance companies, and is PCOS and insulin resistance considered a > pre-existing condition??? might i be turned down for insurance because of > this?? is there a way to get around it?? anyway, just curious and if anyone > had any experience with this.. i am looking into getting blue cross/ blue > shield because that is all that is affordable here in missouri.. thanks in > advace! ) Becky
Response:
"Beckers123" <beckers…@aol.com> wrote in message
news:20020218220152.26980.00001843@mb-ma.aol.com… > Hi everyone.. Just a quick question– my dad’s insurance drops me when i turn > 23 even though i am still in school (graduate school)… anyway, i am looking > around at insurance companies, and is PCOS and insulin resistance considered a > pre-existing condition??? might i be turned down for insurance because of > this?? is there a way to get around it?? anyway, just curious and if anyone > had any experience with this.. i am looking into getting blue cross/ blue > shield because that is all that is affordable here in missouri.. thanks in > advace! ) Becky
Most universities offer health insurance to their students on a semester-by-semester basis (at a cost, of course). That might be the least expensive alternative so don’t overlook it. Leigh
Response:
>(http://alumni.cse.ucsc.edu/~dylan/mgc/)
Just curious about this. The link didn’t work. I went to a school who’s letters were CSE. ~Maureen
Response:
>lue Cross will treat PCOS as a pre existing condition…but how would >they find out youve already had treatment for it? There is nothing in >the rule book of life that says you cannot go find a new doctor >temporarily and get yourself a brand new diagnosis and then change >back to your other doctor in a few months if that’s who you’re happy >with. >Remember, YOU will be paying them (quite a bit of money) month by >month to help you get better…don’t let them tell you you’re unable >to get treated because of some rediculous rule. >Good luck! >Jen
Jen, Do you realize that you are advising this woman to commit fraud? When you pay premiums for insurance, the premiums are priced to pay for the benefits you have purchased. If you lie about a pre-existing condition on your application and are not found out, you are stealing from the insurance company and all of the other people who have purchased insurance from them. Do you advise your friends to lie about their income to the IRS? Is this a value you are proud of??? I hope you re-think this and decide if it fits in with your life values. Cheryl
Response:
>Hi everyone.. Just a quick question– my dad’s insurance drops me when i >turn >23 even though i am still in scho
Becky, Find out from your Father’s employer(Human resources) if you will be eligible for Cobra- this is were you would continue on his group plan, but would self pay the premiums. If you are not Cobra eligible, ask the Human Resource person if there are any ways to convert to an individual Health plan (conversion plan)- the coverage will likely be different, but may not exclude pre-exist conditions. If you are not eligible for Cobra,(and a conversion plan is not available, or too expensive, or the coverage is too limited) call the insurance company that carries his group insurance and explain that you have been covered under a group plan and are now interested in obtaining individual coverage. Ask them if it is available and if so, if they deny coverage for pre-existing conditions, and if so, ask for how long. Sometimes if you don’t change insurance companies, but go from a group to an individual policy, they don’t apply pre-exist conditions exclusions. A lot of this depends on where you live and what the state laws are: You should be able to find out by contacting your State’s office of Insurance Commisioner.- I live in Washington State, and if you have had a qualified group plan and then transfer to an individual plan, or another group plan and have not had a lapse of greater than 90 days, you do not have a waiting period before coverage applies for pre-existing conditions. (this is called portability- in that you can move job to job without having to repeatedly meet the pre-exist wait perids with each new job). In some states it may be different, although I thought that a Federal law that was similar had been passed also. Someone else mentioned checking out what kind of student coverage is available. As far as what medical conditions could be considered a pre-existing condition- any medical condition that you have when you make the application might be considered a pre-existing condition, but you need to read the actual contract language to see how the company defines it- some might say that if you have had symptoms that would have caused a prudent person to seek medical attention within a certain time period to obtaining the insurance, that would be considered pre-existing- others might only look at conditions for which you had actually sought medical treatment, advice etc from a medical provider. You need to read the actual contract to find out. The main reason for pre-exist condition exclusions or waiting periods is to prevent someone from going without insurance and then waiting until they are sick to buy insurance. That would be like waiting until after you have a car accident to purchase your car insurance and then expecting the car insurance to pay to fix your car. I wouldn’t recommend omitting info on your application, as if it is found out, it may cause you to lose your insurance and could possibly lead to the insurance company refusing to pay for your other claims or sueing you to recover for claims they have already paid. Good luck in finding your insurance. Cheryl
Response:
also. If your at a university with a medical school. They may have a clinic that you can attend (possibly with fees based on what you can afford). Teaching universities like to have people to "practice" on. Not by choice I ended up at a teaching university for preterm labor and delivery and tons of students, residents, fellows checked up on me. Also, my initial diagnosis of PCO was done by SUNY Upstate Medical Center. – Hide quoted text — Show quoted text -Leigh Menconi wrote: > "Beckers123" <beckers…@aol.com> wrote in message > news:20020218220152.26980.00001843@mb-ma.aol.com… > > Hi everyone.. Just a quick question– my dad’s insurance drops me when i > turn > > 23 even though i am still in school (graduate school)… anyway, i am > looking > > around at insurance companies, and is PCOS and insulin resistance > considered a > > pre-existing condition??? might i be turned down for insurance because of > > this?? is there a way to get around it?? anyway, just curious and if > anyone > > had any experience with this.. i am looking into getting blue cross/ blue > > shield because that is all that is affordable here in missouri.. thanks in > > advace! ) Becky > Most universities offer health insurance to their students on a > semester-by-semester basis (at a cost, of course). That might be the least > expensive alternative so don’t overlook it. > Leigh
Response:
Filed under: PCOS Treatment
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