|Coverage before testing Postive
Aug 12, 2005
Thank You for all your help. I have a question regarding timing of insurnace and testing positive. I had an exposure about months ago and showing symptoms. I tested negative at 4 months under my old insurance. If I test postive under my new inusrance in two months from now, will my insurance company say that was a prexisiting condition. I have a test in my record from my doctor that I was negative at 4 months. Thanks
| Response from Ms. Franzoi
The following is based on coverage under a group health plan: If your new insurance has a pre-existing condition clause (not all health plans do), any condition for which you took medication or saw a doctor for during the 90 days prior to your coverage commencing would be considered a pre-existing condition. However, a plan cannot apply a pre-exsitiing condition exclusion for greater than 12 months and it must recognize prior coverage (Creditable Coverage under HIPAA) towards that 12-month period unless you had a break in coverage of greater than 63 days. If you have an individual policy, your new plan would probably have the same pre-exisitng condition definition explained above but you might not have Creditable Coverage to count towards the pre-exisiting condition exclusion period. Whether or not you have a pre-exsiting condition depends on whether or not you took medication or saw a doctor for a condition in the 90 days prior to coverage commencing.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- What Is The Earliest Time Frame Of Wart Formation After Exposure To Hpv?
- What Happens When Two People Who Have Herpes Have Unprotected Sex?
- What Can You Do To Make A Person More Comfortable Who Has Shingles?
- What Can Hpv Be Mistaken For In Women?
- Topical Cream For Shingles And Nerve Pain
- Syphilis Incubation Period
This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.
Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.