I just got health insurance on Nov 1st. There is a 365 day waiting period for pre existing condtions. I got sick days later & on Nov 6th went to a doctor.(palpitations) Never before this had I been treated or diagnosed with these symptoms. I was dx with mitral valve prolapse and dysautonomia in Dec. My insurance co is requesting records from the dr who dx me and the claim is pending while they investigate.They say the diagnosis code indicates that my condition may be pre existing. My policy states pre-existing as:
"any condtion,no matter how caused ,which you received medical advice,diagnosis,care, or for which treatment was recommended within 2 years preceding the enrollment date.Even if the condition was not diagnosed, they will treat it as pre-existing if symptoms before enrollment were consistent with the present condition. Of course, I know the mvp had to have been there , but according to their own wording, can they really rule it as pre-ex since I never went to any dr about it?
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Just to be clear, the mvp isnt really a problem. It is very slight. In fact, a cardio told me a few weeks before this that i didnt even have mvp. It really needs no treatment, just need to drink more water. The real problem I have medically is the dysautonomia. It occurs sometimes suddenly with no known cause. It is not understood well and can act up suddenly and disappear just as quickly sometimes not showing back up for years. The treatment is beta blockers, which the cardio already had me on when he diagnosed me with benign pvcs(after I was insured)My only concern is now that this dr says I have mild mvp, they are going to try run them together and just deny the claim. The mvp isnt even what is causing my symptoms. But mvps are from birth, they may use the mvp as an excuse. I honestly doubted the dx of mvp when i got it. A really good cardio said it was neg. on the echo. My question is from their OWN wording of what a pre existing cond is can they legally deny it? never treated b4