Pre-existing conditions and gynecological exams/routines-How do health insurance companies view gyno routines?

Question

I was under my dad's health insurance for several years and then I switched to a new medical insurance recently or not too long ago but it is a private health insurance at the moment. I have Unicare insurance. I am aware that insurances will not cover pre-existing conditions. For my regular doctor it does not cover my cholesterol, a pre-existing condition and my allergies. My pre-existing condtion for my endroconoligist would be the slight hormone imbalance or dhea sulfate imbalance i had which I think was taken care of. I tried to make an appointment with the gynecologist and they wanted to know if my insurance would cover me. I think the last time I went there was about six months ago and I am sure I had the same insurance I have at the moment. I am sure that my insurance company covered my visit the last time but don't remember. I don't see why an insurance company will not cover a patient for routine gynelogical exams, pap smears, office visits.

Answer 1

Pre-existing conditions are not excluded when you go from group policy to group policy as long as there is no break in coverage of more than 63 days.

However, when you go from group to individual, they can have a waiting period or be excluded with the individiual policy. When you got the new coverage, they should have told you what condtions were on a waiting period or excluded.

If you are only going for a routine Pap and such, there should not be a problem. But it might be prudent to call the insurance to see if there might be a pre-exisiting possibility. You say you think you went there 6 months ago and you think the insurance covered it. If this is a routine exam you are trying to get, the other must not have been-routine, or if it was, and you have another, the insurance may not cover it. They are usually only covered once a year.Your insurance can tell you what you went for and if it was covered. This will give you a better idea of what you may be responsible for.

Answer 2

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Answer 3

Usually a routine yearly checkup would be covered, but not treatment for any pre-existing gynecologic condition.  

I'm confused by your belief that pre-existing conditions are not covered.  My understanding was that if you had unbroken coverage from one policy to another your pre-existing conditions legally have to be covered.