Bertiebugg

Insurance companies have a clause written into their plans for a pre-existing waiting period. This usually means anything you've been seen, treated, diagnoised or put off seeking treatment (prudent person) will not be covered. So if your dr wants you to have surgery most likely this is going to be considered pre-existing. If you are denied insurance you can request more information as to why you were denied and appeal the deterinmation. Most people don't know if you have insurance before going on to an individual plan you can sometimes get the waiting period waived or decreased... something else to look into.

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