Quote:
Originally Posted by 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. |
It will also depend on what the surgery is for.
I recently went from a 'group plan' to self-insured. In the year prior to applying for self-insured, I had surgery for fibroids (which requried 4 days in the hospital).
It wasn't held against me, and I was accepted for coverage with the new company.
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Hey, SoulCysters! Need to eat more veggies, but can't find recipes??
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