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If some one has had mental health problems but has never went to a doctor for it will newer insurance consider it a pre existing condition?
Wiki User
∙ 14y ago
Yes mostinsurances will not cover the prescriptions, you will need a referral from PCD (Primary Care Doctor) to a psychologist or therapist.If your PCD can show that you have had these symptoms but never went to get them treated you may have a shot.
Wiki User
∙ 14y ago
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If you were fine when you applied for coverage then had some problems but no diagnoses can your insurance say you had a pre-existing condition?
They can try and say that, but as far as I know the burden of proof is on them. If you told the truth on the application - they will have to pay. You might have a condition that the insurance company thinks a reasonalble person would have known that they had.
Are back problems factored into health insurance?
Usually yes. Some companies do not make you pay more for pre existing conditions. You would have to look at each insurance company or call them to see if they care about pre existing conditions.
How hard is it to get health insurance?
Health Insurance in the United States is extremely easy to obtain. There are no longer any underwriting requirements for getting health insurance. There is also no increase in premium based on your pre-existing health conditions. All of these factors mean that everyone is charged an average rate based on every person insured since insurance companies can no longer give better rates to people who are healthy or don't have health problems. There is no waiting period or pre-existing condition clauses. For these reason health insurance costs have increased with the introduction of the Obama health plan.
Why don't health insurance companies take pre-existing conditions?
For the same reason that a burning building cannot get a property insurance policy. The health insurers know that a person with a pre-existing condition -- such as diabetes or Crohn's disease -- will have regular, and likely high costs for medical care. They do not want to have customers whose health problems are already high cost. In 2014, however, insurers will not be able to refuse customers or to charge them ore based upon their health conditions.
What are an insurance agent's duties?
Agents order or issue policies, collect premiums, renew and change existing coverage, and help clients with questions or problems related to coverage.
I have acne I want to see a doctor to get medicine for it I don't want it to go in my history as a pre-existing condition How do I get around this?
When you see a doctor for any medical condition, it is recorded at the Medical Information Bureau or "MIB." Insurance companies use the MIB to obtain medical history on pre-existing conditions. Acne should not give you any problems obtaining insurance later. Get the treatment and move forward. Depending on the underwriting guidelines of the insurance company, the condition of Acne could possibly result in a rider or a rate-up. A rider would exclude the condition from insurance coverage, but some companies will still cover the medication. A rate-up would cause the premium to be higher than normal (if you didn't have the Acne). Important note about the Medication: I write applications for BlueCross BlueShield of Florida, and if an applicant is on the medication Accutane, which is prescribed for severe Acne, then the applicant is not eligible to complete the application process.
What are the common problems existing customers have with kwik fit home insurance?
The most common issue regarding Kwik Fit home insurance is that customers complain that the policies are difficult to understand. Also, in order to cancel with Kwik Fit, you will have to pay a high cancellation fee.
Problems of educational research?
analysis of existing literature
What are the problems in existing system?
problms of admission system
What is the difference between mega insurance and mega-insurance?
Mega Insurance is a company that has had lots of legal problems and mega-insurance is just a website that has links to all kinds of insurance but not related in any way to mega insurance and all their problems.
Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance plans "coordinate benefits". For example, if both you and your husband had health insurance through your separate employers, your insurance would be primary and your husband's insurance would be secondary and vice versa for your husband. It can be different for an individual policy/plan. Health insurance is very expensive in this country so most people can't afford to buy individual medical insurance.
What are the problems of insurance company's in Bangladesh?
Problem of Bangladesh Insurance Company
