I switched to my husband's insurance policy shortly after becoming pregnant because I plan to leave my opportunity. I believe I had one prenatal appointment and one round of lab work covered by my antediluvian insurance.
I just received a statement from my current insurance provider stating that two lab visit will not be covered because they were for a pre-existing condition. These visit were for bloodwork to audition my thyroid levels. I be diagnosed with hypothyroidism AFTER becoming pregnant, and have never had a problem since pregnancy. The diagnosis was base on my initial prenatal labwork ordered by my OB (which was covered by my old-fashioned insurance). The condition has be treated solely by my OB.
The insurance paperwork stated that pregnancy is not considered a pre-existing condition. Does the same hold true for pregnancy complications? The charge for two lab visit is $500!! I have emailed the insurance company, but be wondering if I am correct in thinking these charges are unwarranted.
Answers: Hypothyroidism isn't going to be considered a "pregnancy complication" by the insurer. The reality that you didn't happen to win diagnosed until after you were pregnant isn't going to kind a difference.
There's a fairly standard account of what insurers are legally required to treat as "pregnancy complications" - those are the things that state mandate would require the insurer to cover. (Here's an example from the Idaho department of insurance...again, the list is honourably standard industry-wide. I'm just linking Idaho b/c it be the first state's rules I stumbled across to link: http://adm.idaho.gov/adminrules/rules/id... )
Your thyroid issue will be treated similar to any other medical issue - if you had satisfactory continuous coverage prior to this policy beginning, next just provide the insurer beside that documentation. They should waive the pre-existing clause b/c of your creditable coverage. If you didn't have continuous insurance until that time starting this policy, you'll have to remuneration for the thyroid treatment out of pocket. Sorry.
Edit to Add: Just to show you how generally standard the lawful insurance definition of "pregnancy complication" is, here's the link from the Colorado department of insurance. Note that the discourse is almost identical to the association I provided above for Idaho. http://www.dora.state.co.us/insurance/re...
Vermont uses the exact same language to explain "pregnancy complications" : http://www.bishca.state.vt.us/InsurDiv/r...
Whether or not pregnancy is considered a pre-existing condition depends on your husbands insurance policy. You'd have to chitchat to the insurance company to find that out. Instead of waiting for them to e-mail you back, why don't you basically call the insurance company and procure some answers? It'll be a lot quicker. Well, yes!
But the point is, did you have prior robustness coverage for 12 months, before switching? If you did, you requirement to get a "qualification of credible coverage" from the prior insurer, and then the spanking new group policy can't exclude pre-existing conditions. That's probably the real solution to this problem.
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I just received a statement from my current insurance provider stating that two lab visit will not be covered because they were for a pre-existing condition. These visit were for bloodwork to audition my thyroid levels. I be diagnosed with hypothyroidism AFTER becoming pregnant, and have never had a problem since pregnancy. The diagnosis was base on my initial prenatal labwork ordered by my OB (which was covered by my old-fashioned insurance). The condition has be treated solely by my OB.
The insurance paperwork stated that pregnancy is not considered a pre-existing condition. Does the same hold true for pregnancy complications? The charge for two lab visit is $500!! I have emailed the insurance company, but be wondering if I am correct in thinking these charges are unwarranted.
What are the different kind of homeowners insurance that companies set aside?
Answers: Hypothyroidism isn't going to be considered a "pregnancy complication" by the insurer. The reality that you didn't happen to win diagnosed until after you were pregnant isn't going to kind a difference.
There's a fairly standard account of what insurers are legally required to treat as "pregnancy complications" - those are the things that state mandate would require the insurer to cover. (Here's an example from the Idaho department of insurance...again, the list is honourably standard industry-wide. I'm just linking Idaho b/c it be the first state's rules I stumbled across to link: http://adm.idaho.gov/adminrules/rules/id... )
Your thyroid issue will be treated similar to any other medical issue - if you had satisfactory continuous coverage prior to this policy beginning, next just provide the insurer beside that documentation. They should waive the pre-existing clause b/c of your creditable coverage. If you didn't have continuous insurance until that time starting this policy, you'll have to remuneration for the thyroid treatment out of pocket. Sorry.
Edit to Add: Just to show you how generally standard the lawful insurance definition of "pregnancy complication" is, here's the link from the Colorado department of insurance. Note that the discourse is almost identical to the association I provided above for Idaho. http://www.dora.state.co.us/insurance/re...
Vermont uses the exact same language to explain "pregnancy complications" : http://www.bishca.state.vt.us/InsurDiv/r...
Blue Cross Denied my claim. Why?
Whether or not pregnancy is considered a pre-existing condition depends on your husbands insurance policy. You'd have to chitchat to the insurance company to find that out. Instead of waiting for them to e-mail you back, why don't you basically call the insurance company and procure some answers? It'll be a lot quicker. Well, yes!
But the point is, did you have prior robustness coverage for 12 months, before switching? If you did, you requirement to get a "qualification of credible coverage" from the prior insurer, and then the spanking new group policy can't exclude pre-existing conditions. That's probably the real solution to this problem.
Resolved Questions: