Question:
Is my problem pre-existing?
I had my gall-bladder taken out 13 years ago. 2.5 months ago BC/BS became my insurance provider. On 4-17-03 I have my consultation with a surgeon, and I'm wondering if my insurance is going to consider me having my gall-bladder taken out a pre-existing problem. PLEASE HELP!! — Bridget J. (posted on March 13, 2003)
March 13, 2003
I dont think so...from what I remember always reading is that pre-exsisting
conditions are somethign that has been treated for in the last YEAR....I
think you should be okay but it doesnt hurt to call BCBS and see what they
say.
— sandrac131
March 13, 2003
Gall bladder is not a pre existing condition. A pre existing condition is
a medical condition you receive on going care for like diabetes. Most
insurances have wiaved the pre existing clause due to people changing jobs
and getting new ins. At our company the only pre existing condition not
covered is third stage renal failure, everything else is covered. Check
with your benefits manager to verify. FYI anytime you change insurances
you should check that there are no exclusions for pre existing conditions.
— Stacey F.
March 13, 2003
Your gallbladder does not have anything to do with your weight lose
surgery. The only reason that it's associated with WLS is because for the
most part during the surgery, the gall bladder will be removed if it is not
healthy.
— Sandy P.
March 13, 2003
No that will not be considered pre-existing even if you had the galbladder
surgery two days before your policy went into effect. The only things that
can be considered pre-existing are cronic issues not acute ones. Meaning,
things that come on suddenly and are taken care of quickly are not cronic.
Besides, galbladder can be linked to many things...not just WLS. If you
have a pre-existing clause and have not had coverage prior to BX for 18
months you will have to follow the pre-existing clause. However it is only
for things that you have seen a doctor for with the same diagnosis. So....
most people dont go to the doc just because they are obese. I mean...thats
usually not a common diagnosis unless you are seeking this surgery.
— RebeccaP
Click Here to Return