Can I lurk for unusual Health insurance to start?
Hi, I recently hurt my knee playing rugby. I want to have ACL surgery.
We currently have condition insurance through Presbyterian (pres metro). I will soon be eligible for my companies health plan. Which is also Presbyterian but has lower co pays. Is this something I can do? I dont want to lurk and then get stuck near a bill as neither covers the surgery.
Thanks
Answers:
since you will be covered by the same company any way they will already have understanding of your injury and the diagnosed need for the acl surgery. you run a greater risk of causing more disfavour to your knee and your wallet by waiting.
your best recourse is to contact the ins. company and discuss the situation with them. be paid sure you get any guarantees made by them in writing and save a journal of all communications beside them including the date, time, and person you spoke with within case they later try to progress things. this will make it so much easier to prove your case should you enjoy to sue or prove that you were guaranteed certain things- especially if the personality you spoke to didn't have the authority to make the guaranty Source(s): personal experience and 15 yrs endorsed experience in the persoal injury field
Unfortunately, if you wait until your insurance through the company kicks contained by the knee injury is going to be considered a pre-existing condition. You might want to double check with the unknown insurance and see if they take pre-existing conditions, some do. Most don't though. If they don't that usually means that you own to wait 90 days to receive treatment for the injury.
Good luck! Source(s): Myself, a benefits center representative.
first,you should collect some resource by searching the relevant keyword in look into engine,if you got good luck near ,then your problem solved.however,if you are not able to find the great answer by doing that,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is the resource i recommend.
Before I get arthritis, I enjoyed an active lifestyle that included swimming, walking, bicycling.. But when I started getting arthritis, everyday vivacity became difficult. The more I walked the worse it [the arthritis pain] get, the pain was similar to a knife twisting inside. Sometimes my knee would supply out, it just wouldn't support me. Then there be the sharp pain. Before surgery, the pain be absolutely debilitating. I be getting totally disabled. I couldn't walk. I couldn't stand. That's when I decided that I needed to do something. Once at church I met an amazingly old friend of mine who suffered from the same agony as mine and that’s when she recommended me Fly2india4health Consultants in India , my first thought about surgery surrounded by India was fear. I researched on my condition and my possible treatment option. I also spoke with the associate orthopedic surgeon with Fly2india4health Consultants who give me educational material to comfort set my expectations after surgery. I was also been told that I would be up indistinguishable day as surgery and I was. The most significant thing after the surgery is exercise. After surgery, I didn't have to lift a lot of pain medication - possibly for 2 or 3 days. I attribute that to the skill of my surgeon. I was driving two weeks after surgery, Had I known it be going to be this easy, I would have have it done much earlier. If u need any orthopaedic charge I will certainly advice you to dance to Fly2india4health Consultants!
Source:
http://www.fly2india4health.com
Depends on if your companies insurance has a pre-existing clause if you've already seen a Dr roughly the knee they may not cover it saying that you have the condition before that insurance took effect. You should be able to find out from your Human Res being if there is a pre exist clause on the insurance or if since you are just switching insurances beside no lapse if it will be covered.
Related Questions:
We currently have condition insurance through Presbyterian (pres metro). I will soon be eligible for my companies health plan. Which is also Presbyterian but has lower co pays. Is this something I can do? I dont want to lurk and then get stuck near a bill as neither covers the surgery.
Thanks
Answers:
since you will be covered by the same company any way they will already have understanding of your injury and the diagnosed need for the acl surgery. you run a greater risk of causing more disfavour to your knee and your wallet by waiting.
your best recourse is to contact the ins. company and discuss the situation with them. be paid sure you get any guarantees made by them in writing and save a journal of all communications beside them including the date, time, and person you spoke with within case they later try to progress things. this will make it so much easier to prove your case should you enjoy to sue or prove that you were guaranteed certain things- especially if the personality you spoke to didn't have the authority to make the guaranty Source(s): personal experience and 15 yrs endorsed experience in the persoal injury field
Unfortunately, if you wait until your insurance through the company kicks contained by the knee injury is going to be considered a pre-existing condition. You might want to double check with the unknown insurance and see if they take pre-existing conditions, some do. Most don't though. If they don't that usually means that you own to wait 90 days to receive treatment for the injury.
Good luck! Source(s): Myself, a benefits center representative.
first,you should collect some resource by searching the relevant keyword in look into engine,if you got good luck near ,then your problem solved.however,if you are not able to find the great answer by doing that,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is the resource i recommend.
Before I get arthritis, I enjoyed an active lifestyle that included swimming, walking, bicycling.. But when I started getting arthritis, everyday vivacity became difficult. The more I walked the worse it [the arthritis pain] get, the pain was similar to a knife twisting inside. Sometimes my knee would supply out, it just wouldn't support me. Then there be the sharp pain. Before surgery, the pain be absolutely debilitating. I be getting totally disabled. I couldn't walk. I couldn't stand. That's when I decided that I needed to do something. Once at church I met an amazingly old friend of mine who suffered from the same agony as mine and that’s when she recommended me Fly2india4health Consultants in India , my first thought about surgery surrounded by India was fear. I researched on my condition and my possible treatment option. I also spoke with the associate orthopedic surgeon with Fly2india4health Consultants who give me educational material to comfort set my expectations after surgery. I was also been told that I would be up indistinguishable day as surgery and I was. The most significant thing after the surgery is exercise. After surgery, I didn't have to lift a lot of pain medication - possibly for 2 or 3 days. I attribute that to the skill of my surgeon. I was driving two weeks after surgery, Had I known it be going to be this easy, I would have have it done much earlier. If u need any orthopaedic charge I will certainly advice you to dance to Fly2india4health Consultants!
Source:
http://www.fly2india4health.com
Depends on if your companies insurance has a pre-existing clause if you've already seen a Dr roughly the knee they may not cover it saying that you have the condition before that insurance took effect. You should be able to find out from your Human Res being if there is a pre exist clause on the insurance or if since you are just switching insurances beside no lapse if it will be covered.
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