 Medicaid Question...? |
Okay I need someone who REALLY knows that they're talking about. Seriously.
Okay I am 3 months pregnant and going to apply for medicaid this wednesday (December 10th)...I am ... |
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 Will homeowners insurance cover needed decking once roofing underway? |
| I am in the process of having roof replaced after hail damage. My insurance company (Travelers) adjustor had given me the verbal go ahead to do roof based on the estimate that we received. We have ... |
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 Anyone ever heard of insurance paying your hospital MORE than what was billed? |
Our insurance company paid $500.00 dollars more than the actual bill plus they want us to pay a 20% copay! Anyone been through this before!!!!!!
Additional Details
I need to add to this ... |
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 How important is insurance to you? |
| Insurance companies sell them in many different forms. Life , Critical illness, Pet etc... We never used to have so much insurance in good old days but nowawadays we seem to have an insurance ... |
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 My husband lost his job and we have been out of medical insurance for 8 months now. My son is sick and in the |
| E.R. right now with health complications and we are running lots of medical bills. Do you know if it is possible, since it has been under a year without insurance, if we can file for Cobra coverage ... |
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 Would I win if I sued this insurance company? |
| About 3 months ago I filled out a life insurance application, took the physical etc. The policy was for My wife, my child and I. My wife and I are both 21 years old with no medical problems etc. The ... |
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 Universal life insurance a good idea for dev. disabled heir? |
| I have a developmentally disabled daughter. I would like to be sure leave her money when I do die. I have a 30 year term life insurance, I'm 35 now. I'm afraid that when I'm 65, I ... |
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 Where can I get a good life insurance policy for my father? |
| He is already 63 years old, a smoker, and not so great health. I don't want a million dollar policy just enough to cover a funeral and his last debts as I will be the one to take care of this. A... |
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 Have you ever had a problem canceling a health insurance plan? |
| I work a full-time and a part-time job and have carried medical insurance through both employers. I no longer want to carry the insurance from the part-time employer. When I sent letter(s) to the ... |
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 Homeowners insurance that lets you have a trampoline!? |
| I want a trampoline and i also need homeowners insurance.This is when you tell me a company that lets you have a trampoline.... |
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 Term Insurance. How much do I need and for how long? |
| I am married and in my thirties my wife is the same age. We have an 18 month child and another baby on the way. After doing some research between Whole Life and Term Insurance I decided that Term I... |
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 My house is over 150 years old, has had subsidence in the past where can I get buildings insurance?? |
| No one wants to insure me for buildings insurance as my house has had subsidence in the past, no evidence of it moveing in the last 70 years. Insurance companies will insure for contence though, ... |
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 Denied medical coverage? |
| I am currently going for fetility treatment and was told by Dr. Office that I had coverage for pretesting.I checked a second time with billing and was told again that I had the coverage. Now I am ... |
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 Pre-existing? |
| Okay we applied for Healthy New York medical insurance. It is by Community Blue but has lower premiums for small business owners. My question is I just found out that I am about 5 weeks pregnant. The ... |
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 Can Medicare and Social Security benefits be affected by somones income or life insurance? |
| I'm wondering if because my grandparents are on social security and Medicare can they receive a large sum of money that I want to do a business transaction from. My mother says that it would ... |
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 Do i have to declare my modifcations to direct line? |
Basically I bought a direct line car insurance (UK) They never asked about Modifications etc... Although i have changed the bumpers on the car and tinted windows with alloy wheels.
Some ... |
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ratmrocker4life | Should I report a preexisting condition to my health insurance company? |
I was under my father's military health care until the age of 23. Knowing this, I sought out and purchased individual health insurance through a writing agent that filled out the necessary information on the application. I was sent the information packet regarding my health coverage and I read that preexisting conditions include symptoms that were not diagnosed. Well, about 1 month before new my health coverage started, I went to the doctor regarding swollen tonsils. The doctor prescribed antibiotics and a strep throat test (which was negative), but there was no formal diagnosis. The issue is that during the application process my agent asked if there was anything wrong with me (in regards to medical conditions). I replied that there wasn't anything wrong with me that I have been diagnosed with. The problem is that my tonsils are still swollen and I would like to seek medical care. I am worried that the company will drop my coverage if I report this oversight or if I see a doctor. |
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HealthQuote360.com
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Yes, you absolutely should always in every case report this visit as a pre-existing condition.
On every individual health insurance application there will be a question that is something to the effect of, "Have you been to the Doctor or a hospital in the last 12 months and received medical attention for anything besides a routine physical?"
If you answer this question no and the insurance company finds out later (which they almost always do because all medical information is shared using the Medical Information Bureau) then they have the right to cancel your policy.
Many people think that they are getting away with something when they tell these white lies but in reality if they ever have a very large claim and the insurance company starts to dig into their medical history (which they will) then they could very well not have any coverage due to their dishonesty.
You are doing the right thing in wanting to be honest and reveal this pre-existing condition.
Keep in mind that not all companies treat pre-existing conditions the same way so it can pay to shop around and compare.
Here is some more information on pre-existing conditions: |
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65% water
 |
It sounds like you're being scrupulously honest, which is generally a good thing but which might get you in trouble in this regard. You are obligated to tell the insurance company about any condition that was diagnosed in the past. If it was not diagnosed, don't talk about it.
In regard to your tonsils, just because you had one flare-up does not mean you are not going to be covered for another one. Unless you had a diagnosis like "chronic tonsillitis" you are okay.
Think about what the insurance company needs to know and what your obligation is very carefully before you volunteer information that might confuse the issue in the future. |
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laplandfan
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You were not diagnosed with anything before starting this policy so I don;t think they can complain. However they would probably check out your med records before agreeing to any payout or treatment. |
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tarynlavender
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Your insurance company has something called the MIB,(medical information bureau) they have listed EVERY time you've been to the Dr. even if it's for a sore throat. They also have what's called "intelliscript" it's a list of every script that's been written for you in the last 5 years. The MIB and intelliscript would have caught that you went to the Dr. last month for a sore throat and got antibiotics if that were the case.
If the Insurance company didn't like what the saw, they would have denied your insurance policy flat out.
I don't think that your ins company will deny any claims for a sore throat, that's what they're there for. To pay claims. |
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Lori S
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Believe me, if you were treated (and that in and of itself defines a pre-existing condition), some kind of diagnosis was made. Unless the bill reflects this is a return visit for this diagnosis, the insurance company probably will not investigate further. The only way to accomplish this though, is to go to a different doctor and not mention the other visit to the new doctor. But tell the new doctor that you've been treated for this before and tell him what kind of antibiotic you had so he doesn't prescribe the same or similar. Now, I'm not advocating this--just answering your question.
You probably need a different antibiotic is all.... |
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kc.intlin
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yes........ |
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Chaos Theory
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No no no no no no no no nono no no no no no no no no nono |
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