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Qualified Early!

April 23rd, 2006 at 02:18 am

When I was hired back in February, it was my understanding that there was a 90-day waiting period before I would be covered under the health inusrance plan.

Well, when I checked my mail on Friday, I had a letter from my company's insurance place. It told me that my coverage had begun on April 16 -- 60 days!!! Woo Hoo!

I went online to find out if the doctor I had used before (when I was covered under my teacher's insurance) was in my plan. She is!!

So, what I would *like* to do is call her office up on Monday and find out the first available morning appointment. My only qualm is that when I was signing up for the insurance plan, it said something about them looking back three months into your medical history for pre-existing conditions (three months prior to qualification date). I haven't been to a doctor since March (2005)... but, if I go to the doctor I used before, she would have three years of medical records for me. Would they be able to use those previous years records to indicate a pre-existing condition, thus giving them an excuse to not pay for lab tests and medications?

I also need to clarify with my Office Manager whether or not I'd have to take a half-sick day if I was back in the office by 10 a.m. (missing only the first hour and a half of the workday).

Hmmm..... Well, I'm just so happy to be covered now - a whole month earlier than I was expecting!

KIF,
Laura

Posted in Work Related, Financial | 4 Comments »

4 Responses to “Qualified Early!”

  1. markio26 Says:
    April 23rd, 2006 at 04:31 am 1145766699
    1145766699

    i would call your doctor's office and speak with the office manager and she should be able to tell you when your insurance will cover the tests and stuff.... they are usually happy to assist ppl. with questions like your's alot.... and the office manager would probably already have a sheet listing info... from your insurance company, since your dr. is in their plan......or their office may have an insurance clerk.

  2. boomeyers Says:
    April 23rd, 2006 at 04:59 am 1145768356
    1145768356

    Yeah! You have insurance! Happy dance!!!

  3. frugaltexan75 Says:
    April 23rd, 2006 at 05:17 am 1145769471
    1145769471

    Thanks guys. Smile Markio, I think I will do that - call the doctor's office and ask whether or not my previous medical records with them would count as a pre-exisiting condition on my new insurance.
    Laura

  4. Nina's Mom Says:
    April 23rd, 2006 at 01:28 pm 1145798911
    1145798911

    Usually if they are not covering some condition they will notify in your letter of acceptance. If you have not been seen for a year by any doctor I would think you have no pre-existing conditions. You could just call the 800 number on your insurance card and ask them.

    My sister works for Blue Cross/Blue Shield of Oregon and that is her job to assist insured people with these kind of questions.

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