insurance- preexisting condition

[Guest guest]

Hello,

In case anyone is changing insurance like I am:

This is info I found in our BCBS booklet:

Notice of Prexisting Condition Exclusion:

Under HIPAA, a " preexisting condition " is a condition for which

medical advice, diagnosis or care of treatment 6 month period ending

on the enrollment date of a healthplan.

Each healthplan may have their own preexisting condition exclusion.

Contact your plan. I didn't see anything in the booklet for BCBS so

my husband will check into it Monday. When we changed from United

Heathcare to Cigna in 2004, Cigna didn't have the exclusion.

If Exclusion exisits, the existence of a preexisting condition will

be determined using information obtained relating to an individual's

health status before enrollment.

[Guest guest]

Hello,

I don't know what state you but, over the past 7 years, I have switched

from BCBS in NYC to MAMSI Life & Health in DC to Trigon/Anthem BCBS in Virginia

to MAMSI HMO in Virginia. I have never had a problem getting my RA covered. The

biggest exclusion is if you are uninsured for 3 months they can make wait 6

months or a year to be covered.

If you have trouble, be sure to fight for your rights. If you want, we can

talk off line ... I've never had a problem getting covered -- and I love to

fight with insurance companies

Take care,

Steph in VA

In case anyone is changing insurance like I am:

This is info I found in our BCBS booklet:

Notice of Prexisting Condition Exclusion:

Under HIPAA, a " preexisting condition " is a condition for which medical advice,

diagnosis or care of treatment 6 month period ending on the enrollment date of a

healthplan.

Each healthplan may have their own preexisting condition exclusion. Contact your

plan. I didn't see anything in the booklet for BCBS so my husband will check

into it Monday. When we changed from United Heathcare to Cigna in 2004, Cigna

didn't have the exclusion.

If Exclusion exisits, the existence of a preexisting condition will be

determined using information obtained relating to an individual's health status

before enrollment.

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