Problem getting insurance...

pcoshelp · 04-05-2008, 02:02 PM

Hi Everyone,
I'm trying to get insurance. I've been told that my two conditions (PCOS and IC) will make it more expensive. Has anyone else had this issue and, if so, what company did you ultimatly go with? Thanks!

Jashobeam · 04-06-2008, 07:11 PM

I have Medco I think (we've changed 3 times in 6 months or so). They sent me a letter and said over the phone they refused a bill saying PCOS was preexisting, but they paid it, lol. DH's last employer didnt' take insurance out of his check send in the funds, so we were not insured for at least 2 months and didn't know it. That means that pre-existing conditions of ours are not covered. Still, we don't pay more for my appointments and tests as long as they are general health related, not just PCOS related.

KatCarney · 04-06-2008, 07:27 PM

Some of the stickies in this forum might help.

StarofEvening · 04-08-2008, 12:05 AM

I'm very interested in the answer to this too. I haven't been diagnosed yet, and I'm afraid once I am I'm going to be stuck in my job and my current insurance because it will be a pre-existing condition any where else. I like my job... but I don't want to be stuck there because I have insurance... ugh.

KatCarney · 04-08-2008, 12:08 AM

Quote:

Originally Posted by pcoshelp

Hi Everyone,
I'm trying to get insurance. I've been told that my two conditions (PCOS and IC) will make it more expensive. Has anyone else had this issue and, if so, what company did you ultimatly go with? Thanks!

There are a LOT of factors that will ultimately affect your rate: age, weight, smoking, previous medical care, city/state, etc...

pcoshelp · 05-09-2008, 07:35 PM

Thanks for the input ladies! I finally recieved an approval letter from BCBS...but it came with a 2 year Ryder that they won't pay for PCOS related issues. Not great, but better then nothing. -Robyn

funkydiva77 · Yesterday, 06:44 PM

I live in NZ and the moment I had thoughts that I may have reproduction/endocrine issues of endometriosis or PCOS I got onto Healthare insurance right away (Southern Cross) anyways they accepted my application and I am paying monthly. I was afraid that if these conditions were already pre existing then I wouldnt be covered?? So I basically lied as I knew I had these issues but didnt write them on the application, just hadnt had confirmation from the doc yet.

Has anyone had issues not being able to claim when going to be treated for PCOS or endometriosis?? even though you had insurance??

KatCarney · Yesterday, 06:54 PM

Quote:

Originally Posted by pcoshelp

Thanks for the input ladies! I finally recieved an approval letter from BCBS...but it came with a 2 year Ryder that they won't pay for PCOS related issues. Not great, but better then nothing. -Robyn

If your doctor is willing to work with you, many so-called 'pcos treatments' will be covered, as long as your doctor puts down some other code.

TTC treatments might be hard, but just about everything else can be called something OTHER than 'pcos-related' treatment.

04-05-2008, 02:02 PM	#1 (permalink)
pcoshelp Registered User Join Date: Jun 2007 Posts: 19 Points: 1,622.75 Bank: 0.00 Total Points: 1,622.75 Donate	Problem getting insurance... Hi Everyone, I'm trying to get insurance. I've been told that my two conditions (PCOS and IC) will make it more expensive. Has anyone else had this issue and, if so, what company did you ultimatly go with? Thanks!

04-06-2008, 07:11 PM	#2 (permalink)
Jashobeam .......¯\(O_o)/¯....... Join Date: Oct 2004 Location: NC, USA Posts: 16,587 My Mood: Points: 203,313.79 Bank: 30,597,147.23 Total Points: 30,800,461.02 Donate	I have Medco I think (we've changed 3 times in 6 months or so). They sent me a letter and said over the phone they refused a bill saying PCOS was preexisting, but they paid it, lol. DH's last employer didnt' take insurance out of his check send in the funds, so we were not insured for at least 2 months and didn't know it. That means that pre-existing conditions of ours are not covered. Still, we don't pay more for my appointments and tests as long as they are general health related, not just PCOS related. __________________ What holds us all together? To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Laminin He is the image of the invisible God, the firstborn over all creation. For by him all things were created: things in heaven and on earth, visible and invisible, whether thrones or powers or rulers or authorities; all things were created by him and for him. He is before all things, and in him all things hold together. Colossians 1:15-17

04-06-2008, 07:27 PM	#3 (permalink)
KatCarney SoulCyster #1 Join Date: Nov 2000 Location: Los Angeles, CA Posts: 16,799 My Mood: MyEbay : Points: 1,166,704.77 Bank: 0.00 Total Points: 1,166,704.77 Donate	Some of the stickies in this forum might help. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. COMING SOON - The New Soulcysters! - CLICK TO READ!! To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

04-08-2008, 12:05 AM	#4 (permalink)
StarofEvening S@ssy and Uncensored! Join Date: Mar 2008 Location: Savannah, GA Posts: 95 My Mood: Points: 358.49 Bank: 1,842.29 Total Points: 2,200.78 Donate	I'm very interested in the answer to this too. I haven't been diagnosed yet, and I'm afraid once I am I'm going to be stuck in my job and my current insurance because it will be a pre-existing condition any where else. I like my job... but I don't want to be stuck there because I have insurance... ugh. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. Show me the Skinny!

Yesterday, 06:44 PM	#7 (permalink)
funkydiva77 Registered User Join Date: Feb 2008 Location: Wellington, New Zealand Posts: 30 My Mood: Points: 1,493.53 Bank: 0.00 Total Points: 1,493.53 Donate	I live in NZ and the moment I had thoughts that I may have reproduction/endocrine issues of endometriosis or PCOS I got onto Healthare insurance right away (Southern Cross) anyways they accepted my application and I am paying monthly. I was afraid that if these conditions were already pre existing then I wouldnt be covered?? So I basically lied as I knew I had these issues but didnt write them on the application, just hadnt had confirmation from the doc yet. Has anyone had issues not being able to claim when going to be treated for PCOS or endometriosis?? even though you had insurance?? __________________ DX: PCOS Dec 2007 Possible Endometriosis SX: Mild Alopecia, Mild Hirsutism, Mild Acne TX: Estelle35 BCP Supplements: Centrum Multi Vit, Omega 3, Magnesium Thin Cyster Age 29 1 Child Age 11 To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

05-09-2008, 07:35 PM	#6 (permalink)
pcoshelp Registered User Join Date: Jun 2007 Posts: 19 Points: 1,622.75 Bank: 0.00 Total Points: 1,622.75 Donate	Thanks for the input ladies! I finally recieved an approval letter from BCBS...but it came with a 2 year Ryder that they won't pay for PCOS related issues. Not great, but better then nothing. -Robyn

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