joymartin3029 wrote:Hi There! Can someone help me understand my new policy. I'm 33yrs old I have had "episodes/flares" over the past 8yrs or so, and my Dr.s have mentioned MS several times but all of my diagnostic tests have come back clear... MRI, CAT scans, Lumbar puncture, ect. They have referred to my flare ups as "gait ataxia, undetermined cause." I have periods where I feel relatively well, but when I experience a flare they are bad... and they are becoming more frequent.
I had been without insurance for a long time and and have not had care. To be honest dealing with the health care systems has been frustrating, exhausting, & expensive. And I still have no answers. Recently I was able to obtain a private insurance policy through my state after being denied by a health insurance company, and I'm considering under going testing again to see if the tests might be more conclusive now that the flares are worse and more frequent.
My policy states that I have a 6 month pre-existing condition waiting period. The letter they sent me says that "I am subjected to a 6 month period where coverage of any pre-existing condition will not be approved."
So does this mean that after the waiting period I can receive coverage for for pre-existing issues? I don't know if I worded that in a way that makes sense... If I go to my Dr. and say "My legs have been bothering me for several years." Or "This is the 4th flare I've had in 6 months." and my Dr. notes this in my records, does the insurance company have the right to deny coverage for any care I might receive even though I've satisfied the waiting period?
Thanks for any insight you might be able to offer.
Users browsing this forum: No registered users