You need to include any and all issues such as prior collect on STD or LTD. Just answer the application honestly at all times. Usually future pregnancies will not be an issue unless your Dr. has told you that you should not get pregnant again. If you are buying this thru work with a company like Colonial, AFLAC and the like, they are a lot more lenient on underwriting. 4lifeguild ---------------- Does the policy have any limitations on maternity? On the other hand, there are laws for Health Insurance that don't allow maternity to be treated any differently than other medical conditions. This may or may not apply to disabilty insurance. For more details follow the links at www.SteveShorr.com/maternity.htm _________________ All of the documents received (plan summary and booklet) do not indicate that maternity is treated differently than any other condition for purposes of a pre-existing condition. In other words, note of them describe any limitations on maternity. Can they claim that there is such a limitation on pregnancy if none of the documents I have been provided with contain that limitation?
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Related Questions
Is preexisting the correct spelling?
"Preexisting" : a condition or state which preceded another. (sometimes appears hyphenated as 'pre-existing') A "preexisting condition" : A status for medical afflictions that were already affecting a patient before the beginning of the current (or future) medical coverage or treatment.
Can you get treated for chlamydia during pregnancy?
Yes. There are treatment options for pregnant women that are safe and effective.
What can happen to your baby if you have a UTI?
UTIs can increase the risk of preterm labor. They are very common in pregnancy, and, with effective treatment, normally have no affect on the pregnancy.
Is high blood pressure that is controlled by medication considered a pre-existing condition?
== == Yes. Check the policy definition. Here's the def. for Small Groups in CA (q) "Preexisting condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. 10708. (a) Preexisting condition provisions of health benefit plans shall not exclude coverage for a period beyond six months following the individual's effective date of coverage and may only relate to conditions for which medical advice, diagnosis, care, or treatment, including the use of prescription medications, was recommended by or received from a licensed health practitioner during the six months immediately preceding the effective date of coverage. (c) In determining whether a preexisting condition provision or a waiting period applies to any person, a plan shall credit the time the person was covered under creditable coverage,
Does two abnormal pap smears in seven years count as a pre-existing condition?
Check the definition in YOUR policy. West's Ann.Cal.Ins.Code ? 10700 q) "Preexisting condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. The important thing is to list it on the application, if and where asked -
Does having a uti affect pregnancy?
A UTI during pregnancy can increase the risk of preterm labor. UTIs during pregnancy are very common, and with effective treatment they normally don't cause problems.
How can the spreading of gonorrhea from the mother to the child be avoided while the child is still in the womb?
Effective treatment during pregnancy will prevent that.
What the best effective pill to stop pregnancy at the early stage?
The doctor will give you a combo of Mifepristone and Misoprostol. That is the best and tested treatment.
What are effective forms of asthma treatment?
There are many effective forms, though this will depend on the underlying condition and severity. However, please seek advice from a trained medical professional.
Is implanting stints a preexisting condition if there was no heart attack?
I think most insurance companies would consider this a pre-ex. It is still a required procedure for treatment of a medical condition. What they extend the pre-ex clause to in terms of what they will or will not pay for is likely unique to the individual carrier and their guidelines.
What is treatment of a condition without surgically opening the patient?
Medical treatment is treatment of a condition without surgery.
Can you have a miscarriage when taking medicine to cure chlamydia?
Miscarriage is a common problem in pregnancy, but treatment for chlamydia does not increase the risk. Chlamydia must be treated during pregnancy to reduce the risk of complications, and there are safe and effective options. See your health care provider for effective diagnosis and treament.
What is the most effective treatment for mesothelioma cancer?
Adjuvant chemotherapy is an effective treatment for mesothelioma cancer.
Does treatment by a chiropractor prior to an insurance start date determine a preexisting condition and how can an insurance company find out about chiropractic treatment prior to being insured?
The Insurance Company generally finds out by what you tell them on the application. If you don't tell them, they probably have the right to deny coverage and rescind the application. check what YOUR policy says
Can chlamydia treatment cause a miscarriage?
No, chlamydia treatment does not increase the risk of miscarriage. There are safe and effective treatments for pregnant women with chlamydia, including zithromax 1 g and amoxicillin. These medications are routinely given in pregnancy and to newborns.
What is the treatment for a high-risk pregnancy?
Treatment varies widely with the type of disease, the effect that pregnancy has on the disease, and the effect that the disease has on pregnancy. Additional tests may help determine the need for changes in medication or additional treatment.
Where can you receive an effective Graves Disease treatment?
You can I receive an effective Graves Disease treatment at the Mayo clinic. There are also a number of first response hospital in each state that would be able to give you an effective treatment.
Where can I get the best rosacea treatment?
The best treatment is natural. Using natural minerals to combat the condition. There are natural treatments available that are as effective or even more so than artificial drugs that simply suppress the symptoms.
We have not been to a doctor so is it a preexisting condition if we think my wife is pregnant?
Generally yes. Most policies define pre-existing conditions not only as things you sought treatment for but also things that a normal and prudent person would seek treatment for. If youthink she is already pregnant that would qualify under the second definition.
What types of treatment are recommended for exposed acne?
There are several topical medications that are generally very effective. A doctor will be able to prescribe these for you to help you clear up your condition.
The complication of pregnancy that is characterized by convulsions and sometimes coma is known as?
Eclampsia is a serious form of preeclampsia, is characterized by convulsions and sometimes coma Treatment for this condition is delivery of the fetus.
Can chlamydia cause sores or a rash?
Chlamydia does cause sores or a rash on the genital area in women. See your health care provider for effective diagnosis and treatment.Chlamydia typically does not cause sores or a rash in the genital area. See your health care provider for accurate diagnosis and effective treatment of your condition.
What is a treatment for appendix?
Eat Zardari is the best treatment of appendix.Its very effective.
What is an outline of treatment designed to remedy a patient's condition?
The outline of treatment designed to remedy a patient's condition is a treatment plan. Treatment plans may encompass curative care or palliative care.
Does cefixime cure gonorrhea?
Cefixime is no longer recommended for the treatment of gonorrhea, as it is not effective often enough.Cefixime is no longer recommended for the treatment of gonorrhea, as it is not effective often enough.Suprax (cefixime) is no long considered a reliable treatment for gonorrhea due to antibiotic resistance.Cefixime is no longer recommended for the treatment of gonorrhea, as it is not effective often enough.Cefixime is no longer recommended for the treatment of gonorrhea, as it is not effective often enough.
