calially22

I've not actually been DX yet, but I've been waiting on my GYN appt for August 24th (which is the soonest I could be seen). While I am still a full time student, my mom can carry me on her insurance. Well now she is changing jobs and it'll be about another 90 days until her new insurance policy kicks in, but she told me that I should reschedule my appt from August until like the end of Oct or Nov. That seems SOO far away to me bc I want to go now. However, it makes sense. She said that if they do actually DX me with PCOS or anything else for that matter, future testing or anything like an ultrasound or whatever regarding PCOS will not be covered by her new plan bc it could be considered pre-existing.

For now should I just re-schedule and watch my diet and exercise?
Thanks!!

Cameryn

How severe are your symptoms? I waited quite a while (procrastination; my symptoms were slight, but progressing). Unless you're in serious pain or nonstop bleeding, a few months may be okay. What about using the student health center or the health department in the meantime?

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Cameryn
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Anna (31), DH Tim (40)
Married June 2001
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Mommy to our furbaby Dakota (tuxedo cat)
Dx April 2006, Rx OvCon 50

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Danger Kitty

The only thing that I would add are these are 2 caveats:

1) Most states have laws prohibiting the pre-existing condition exclusion in certain situations - i.e. you had qualifying coverage before the new insurance, and there isn't a lapse of more than a certain period (i.e., 60 or 90 days) between effective coverage periods. You should check to see what the insurance laws are in your state - that is, it may not make any difference if you go to your appointment and are "diagnosed" before your mom changes insurance.

2) if you don't live in a state with prohibitions against exclusion for pre-existing conditions, you should be aware that treatment or diagnosis by the student health center or the health department would have to be disclosed for purposes of any pre-existing condition inquiry.

HTH,

Ann

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My name is Ann. . . Danger Kitty is my cat. . .
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Mum to Olivia Mackay, born 7th of March, 2008.

Cameryn

You would have to disclose a preexisiting but could get treatment from the health department during the waiting period as well, I would think

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Cameryn
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Anna (31), DH Tim (40)
Married June 2001
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Mommy to our furbaby Dakota (tuxedo cat)
Dx April 2006, Rx OvCon 50

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