Preexisting condition - deviated septum - will insurance companies exclude or cover?
I am about to leave my parents vigour insurance and get my own. How long would it be before I enjoy coverage to get my nose fixed?
Answers:
Hey, lots of people hold a deviated septum, that doesn't cause any problems. Like me.
If it's causing problems, it's a pre-existing condition. If it's not cause problems, you can't get a nose chore paid by insurance, as it's cosmetic.
If you have a lapse smaller number than 63 days between your parent's policy, and a new policy through an employer, pre-existing conditions are WAIVED. Source(s): agent, 21+ years
If you are going from group insurance to group insurance and the lapse is less than 63 days, near should be no pre-existing waiting period. Sometimes, there is a waiting time for the new coverage, but the legth of time that you were on your parents coverage would count toward that waiting time.
If you are getting an individual policy, it depends on the underwriting of the company. They could exclude that condition.
If you are leaving your parents insurance due to your age or some other qualify event, and you feel this will not be covered by your new holder, COBRA would be a way to get around this since it will not be considered pre-existing. It will be expensive, but if you take your nose fixed right away, you will only enjoy to pay for a month or two of coverage.
This is something that you will hold to find out for sure when you speak with your insurance company, or future company. Without knowing specifics relating to your personal situation, such as if it cause health related problems, or if it is more of a cosmetic type issue, things close to that are what will need to be considered to find out when or if you will be able to catch coverage for what you need done. Make sure that you ask any & every question that comes to mind when you speak beside either a local agent or insurance company so that you know exactly what will be or will not be covered & the time frame, etc.
If you find that they consider it cosmetic and you definitely want to get hold of it fixed no matter what, there is another preference that you can look into and see if it might work for your situation. It's Ameriplan, and it's a discount Medical Plan organization which contracts directly with providers who agree to weaken their fees for services and pass those savings on directly to their member. This cuts out the middle man & the provider receives payment straight (unless it's something that may require a payment plan of sorts) as well as self able to work directly with the tolerant to determine what is the best treatment option available, rather than have an insurance company say what is or is not covered.
I'm not sure what area you live surrounded by, or whether or not there is a specialist available close to you that can do this and is with Ameriplan, but you can do your own scrabble on their website and see for yourself. http://www.mybenefitsplus.com/40398854
Take a look and if you have any questions surface free to ask. I have used the plan for 2 years now and love it. I also hold a friend who recently saved a large amount of money on gastric bypass surgery by using the Ameriplan benefits, of which her insurance company considered it cosmetic.
Hopefully this will help you a bit! Good Luck.
If your nose requests to be fixed, then most likely it is a pre-existing condition and the insurance company of your choice will not provide coverage. Might be a biddable idea then to let go up through the use of a health savings narrative.
You can view health insurance quotes at our site if you craving:
http://www.ohioinsureplan.com/index.php/… Source(s): Agent ten + years
Related Questions:
Answers:
Hey, lots of people hold a deviated septum, that doesn't cause any problems. Like me.
If it's causing problems, it's a pre-existing condition. If it's not cause problems, you can't get a nose chore paid by insurance, as it's cosmetic.
If you have a lapse smaller number than 63 days between your parent's policy, and a new policy through an employer, pre-existing conditions are WAIVED. Source(s): agent, 21+ years
If you are going from group insurance to group insurance and the lapse is less than 63 days, near should be no pre-existing waiting period. Sometimes, there is a waiting time for the new coverage, but the legth of time that you were on your parents coverage would count toward that waiting time.
If you are getting an individual policy, it depends on the underwriting of the company. They could exclude that condition.
If you are leaving your parents insurance due to your age or some other qualify event, and you feel this will not be covered by your new holder, COBRA would be a way to get around this since it will not be considered pre-existing. It will be expensive, but if you take your nose fixed right away, you will only enjoy to pay for a month or two of coverage.
This is something that you will hold to find out for sure when you speak with your insurance company, or future company. Without knowing specifics relating to your personal situation, such as if it cause health related problems, or if it is more of a cosmetic type issue, things close to that are what will need to be considered to find out when or if you will be able to catch coverage for what you need done. Make sure that you ask any & every question that comes to mind when you speak beside either a local agent or insurance company so that you know exactly what will be or will not be covered & the time frame, etc.
If you find that they consider it cosmetic and you definitely want to get hold of it fixed no matter what, there is another preference that you can look into and see if it might work for your situation. It's Ameriplan, and it's a discount Medical Plan organization which contracts directly with providers who agree to weaken their fees for services and pass those savings on directly to their member. This cuts out the middle man & the provider receives payment straight (unless it's something that may require a payment plan of sorts) as well as self able to work directly with the tolerant to determine what is the best treatment option available, rather than have an insurance company say what is or is not covered.
I'm not sure what area you live surrounded by, or whether or not there is a specialist available close to you that can do this and is with Ameriplan, but you can do your own scrabble on their website and see for yourself. http://www.mybenefitsplus.com/40398854
Take a look and if you have any questions surface free to ask. I have used the plan for 2 years now and love it. I also hold a friend who recently saved a large amount of money on gastric bypass surgery by using the Ameriplan benefits, of which her insurance company considered it cosmetic.
Hopefully this will help you a bit! Good Luck.
If your nose requests to be fixed, then most likely it is a pre-existing condition and the insurance company of your choice will not provide coverage. Might be a biddable idea then to let go up through the use of a health savings narrative.
You can view health insurance quotes at our site if you craving:
http://www.ohioinsureplan.com/index.php/… Source(s): Agent ten + years
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