Words to the wise: If you are nearing graduation from college and will lose your parent's health insurance and have HPV please listen. If your last pap smear was normal pay out of pocket for your next one just in case it's abnormal so it won't be on your insurance record. Believe me, once an abnormal pap smear is on your record and you have HPV, no insurance in California will cover you. If it's normal this time, then submit your insurance.
In 1 day I lost my job and my health insurance. My daughter who has HPV and abnormal pap smears could not be covered for this pre-existing condition by Anthem, or Blue Shield. I wanted to share that if you have HPV and your pap smears (2 in a row) are normal, you'll be accepted in California. If your Colposcopy is normal and you have low-risk HPV you'll be covered. But once you are diagnosed with high risk HPV you have to wait 5 years AND have clean pap smears. BRUTAL facts.
But there is hope. In our case I chose COBRA to cover my daughter until her smears are clean. There has been an improvement in her diagnosis. Other hopeful news is if you get a full time job, you will be on group coverage and they have to cover you, but make sure you get a certificate of coverage from your parent's insurance so they will cover your pre-existing condition, the certificate will also shorten or waive the waiting period for pre-existing conditions.
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