Pre-existing condition / Diabetes for Group Health/Dental Insurance?
The last time I saw my doctor for my Type 2 diabetes in the U.S. be in August, 2003. I went overseas soon after that and didn’t come put money on until recently (I didn’t have coverage during this total time). I just got a situation which offers group health insurance, does my diabetes counts as pre-existing condition. (I’m choosing a BCBS PPO plan), and can they intrude exclusion period?
I live in Pennsylvania, and according to my research, Group vigour plans in PA can count as pre-existing conditions only those for which you
if truth be told received (or were recommended to receive) a diagnosis, treatment or medical advice inside the 6 months immediately before you coupled that plan. So it appears to be that I should have no problem if I go to see my doctor for my diabetes right after my policy become efficient on Jan. 1st, 2008, right? I want to make sure.
Similarly, I had dental surgery for gum problems surrounded by 2002, will my group dental plan look back 6 month only?
Thanks for your answer
Answers:
If you hold diabetes you've had "treatment" for the past 6 months, even if it be just diet to control your blood sugar. So yes, the insurance company will consider that a pre-existing condition. Also, if you have any type of condition condition, even if you haven't had any treatment, it is still considered a pre-existing condition.
However, it also depends upon the BCBS group plan. Group plans can be tailored in any path (unless it's contrary to state law) so the only way to know is to contact the insurance company or your company HR department. Source(s): Independent Agent
Related Questions:
I live in Pennsylvania, and according to my research, Group vigour plans in PA can count as pre-existing conditions only those for which you
if truth be told received (or were recommended to receive) a diagnosis, treatment or medical advice inside the 6 months immediately before you coupled that plan. So it appears to be that I should have no problem if I go to see my doctor for my diabetes right after my policy become efficient on Jan. 1st, 2008, right? I want to make sure.
Similarly, I had dental surgery for gum problems surrounded by 2002, will my group dental plan look back 6 month only?
Thanks for your answer
Answers:
If you hold diabetes you've had "treatment" for the past 6 months, even if it be just diet to control your blood sugar. So yes, the insurance company will consider that a pre-existing condition. Also, if you have any type of condition condition, even if you haven't had any treatment, it is still considered a pre-existing condition.
However, it also depends upon the BCBS group plan. Group plans can be tailored in any path (unless it's contrary to state law) so the only way to know is to contact the insurance company or your company HR department. Source(s): Independent Agent
Related Questions: