Understanding Preexisting Conditions And How They Can Cost You

Most health insurance companies will consider all issues as pre-existing conditions

when you have experienced a lapse of insurance for three months or more. Understanding how this works is very important if you find yourself without health insurance coverage for a period of time.

It might be assumed that any visit to the doctor's office is covered by insurance, but you might want to think again. Every visit to a doctor is heavily documented and if there was any diagnosis of a problem that occurred while there was no insurance you have to watch it because the insurance firms have a long memory and know when you were and weren't insured. They are incredibly organized and careful companies, so there is little that they actually miss.

If you have no health insurance at all or haven't kept accurate records oh which doctors you saw and when you saw them, you are in trouble. It will be automatically assumed that you were treated by someone about whom the insurance company has knowledge. By creating a pre-existing period, the health insurance companies can have time to unearth any previous conditions that were incurred during the time your insurance coverage lapsed. It is important to know that this can be bad for you. Even if you have nothing to hide.

If you are without health insurance there is no way to tell which providers or treatments you received during the lapsed periods of time. That's why it is important to keep records of all coverage so you can present them to the providers during times of dispute. By creating a pre-existing period, the providers are able to find out just about anything that happened or was diagnosed during the lapsed period.

Health care companies have redefined their policies towards pre-existing conditions. Now that they have the means to track your medical history to exact dates, it helps them to avoid being burned by fraudulent claims. They are somewhat gun-shy about those claims, so make sure you understand the importance of continuous insurance so that you don't also get burned.

by: Ethan Kalvin

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