Is a minor, undiagnosed condition a pre-existing condition?

Question

I haven't had a health insurance for about last two years. My financial situation is looking better and I'm considering an individual health insurance plan.

But I have had what I would consider a minor symptom (urinary frequency) for about two years. It is quite annoying but I wouldn't say it is anything serious (I'm in my 20s so it's probably not prostate cancer). I've never seen a doctor for this problem because of the reasons mentioned, i.e. minor discomfort + no health insurance.

Certainly it would be nice to treat this problem once I get my health insurance. Would this be considered a pre-existing condition by an insurance company and denied coverage? Does it matter at all that it is a minor, undiagnosed, and untreated condition?

Answer 1

You are in the gray area. Insurance companies consider something pre-existing if you've seeked medical treatment or advise or if "a prudent person" would seek medical treatment or advise. This gives them an out. They will ask about it in the health questions. If you answer truthfully they may decline based upon an undiagnosed condition. If you don't mention it and they find out they can rescind the policy. Chances are you could slide through with no problems but there is the possibility of getting caught.

Answer 2

it depends on whether it's of a long standing duration, and if it's serious. If it is prostrate cancer, you need it checked now, but they might not cover it if its bad. They're profit, not non. I hate to sound horrible, but if it were me, I'd wait a few months and then get it checked, so it doesn't look like something I brought into the program and immediately jumped on., Just don't get it checked before you get the insurance. If they find something, for sure they will consider it re-exisisting.

Answer 3

I have a flash for you!  Just because you are only in your 20s you can develop prostate problems, or cancer, or any other condition or disease. I suggest you get insurance pronto and get this checked out!  You are NOT a doctor and cannot determine if this is merely a minor problem or something more serious.   Get going and get this checked out now!