Proactive Mom,
Thank you for this helpful information. It is entirely too common for health insurance to not cover pre-existing conditions...or not to cover a condition that even has something in common with your pre-existing condition! It is frustrating and detrimental to everyone's health and well-being.
It will be interesting to hear from others who live outside of California; have you found this to be true in you state as well?
This is an important message, as many students are accustomed to great health insurance (either through their parent's or the student health plan), that it is a rude-awakening to find out that health insurance is not a guarantee with employment (and, employment is no guarantee, either).
I hesitate somewhat on verbally "endorsing" what you are suggesting, as isn't it a form of insurance fraud? The pap smear would still be part of the medical record, even if paid for out-of-pocket, and many doctor offices do submit health insurance claims on behalf of the patient. Ideally, having group health insurance coverage is the best, that covers pre-existing conditions, but more and more people are finding out that this is not always an option for them, especially right out of college.
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Proactive Mom,
Thank you for this helpful information. It is entirely too common for health insurance to not cover pre-existing conditions...or not to cover a condition that even has something in common with your pre-existing condition! It is frustrating and detrimental to everyone's health and well-being.
It will be interesting to hear from others who live outside of California; have you found this to be true in you state as well?
This is an important message, as many students are accustomed to great health insurance (either through their parent's or the student health plan), that it is a rude-awakening to find out that health insurance is not a guarantee with employment (and, employment is no guarantee, either).
I hesitate somewhat on verbally "endorsing" what you are suggesting, as isn't it a form of insurance fraud? The pap smear would still be part of the medical record, even if paid for out-of-pocket, and many doctor offices do submit health insurance claims on behalf of the patient. Ideally, having group health insurance coverage is the best, that covers pre-existing conditions, but more and more people are finding out that this is not always an option for them, especially right out of college.
Would love to hear other's thoughts on this.
August 23, 2009 - 1:04pmThis Comment
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