Question:
I've had acne since my teens but it's really been bothering me lately psychologically and hurting alot when trying to sleep on my back from cysts. Also sometimes minor acne on my face has been causing permanent scars. I want to go to the dermatologist and see if I can get accutane, but I just got my health insurance beginning of the year and had no creditable coverage before that. According to their written policy, I might not be eligible since I actually went to the doctor and got antibiotics for acne less than 24 months before enrollment in the health plan. I would like to say that the condition manifested itself in the past month psychologically which caused me to seek out accutane, which is true. Should I even mention my past diagnosis can they check it somehow? I really don't want to pay $3000 out of pocket for accutane, but I feel I really need to do this now for my own well being. What should I say to the doctor, how much will they investigate preexisting condition
Answer:
For $3000 in bills after you've been covered for only a few months, they are likely to investigate it pretty thoroughly. Also, Acne is something that is ongoing so it wouldn't be all that hard to prove that you've had a pre-existing condition.
A lot is going to depend on how that pre-existing condition clause reads on your coverage.
details abt insurance of any type u can get it very easily.
they'll send requests to your doctor's and ask that they certify they've never treated you for the condition. If the doc lies, its fraud, and they can get into a lot of trouble. If they tell the truth, you get no coverage...
Call your insurance first, and ask if acne is considered a pre-existing condition on their plan. Not all diagnosis qualify as 'pre-existing'... I work in insurance, and we have a list of all diagnosis that apply... good luck.
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