Preexisting condition - deviated septum - will insurance companies exclude or cover?

Question

I am about to leave my parents health insurance and get my own. How long would it be before I have coverage to get my nose fixed?

Answer 1

Hey, lots of people have a deviated septum, that doesn't cause any problems.  Like me.

If it's causing problems, it's a pre-existing condition.  If it's not causing problems, you can't get a nose job paid by insurance, as it's cosmetic.

If you have a lapse less than 63 days between your parent's policy, and a new policy through an employer, pre-existing conditions are WAIVED.

Answer 2

This is something that you will have to find out for sure when you speak with your insurance company, or future company. Without knowing specifics relating to your personal situation, such as if it causes health related problems, or if it is more of a cosmetic type issue, things like that are what will need to be considered to find out when or if you will be able to get coverage for what you need done. Make sure that you ask any & every question that comes to mind when you speak with either a local agent or insurance company so that you know exactly what will be or will not be covered & the time frame, etc.

If you find that they consider it cosmetic and you definitely want to get it fixed no matter what, there is another option that you can look into and see if it might work for your situation. It's Ameriplan, and it's a discount Medical Plan organization which contracts directly with providers who agree to reduce their fees for services and pass those savings on directly to their members. This cuts out the middle man & the provider receives payment immediately (unless it's something that may require a payment plan of sorts) as well as being able to work directly with the patient to determine what is the best treatment option available, rather than having an insurance company say what is or is not covered.

I'm not sure what area you live in, or whether or not there is a specialist available close to you that can do this and is with Ameriplan, but you can do your own search on their website and see for yourself. http://www.mybenefitsplus.com/40398854

Take a look and if you have any questions feel free to ask. I have used the plan for 2 years now and love it. I also have a friend who recently saved a great deal of money on gastric bypass surgery by using the Ameriplan benefits, of which her insurance company considered it cosmetic.

Hopefully this will help you a bit! Good Luck.

Answer 3

If your nose needs to be fixed, then most likely it is a pre-existing condition and the insurance company of your choice will not provide coverage.  Might be a good idea then to save up through the use of a health savings account.

You can view health insurance quotes at our site if you wish:

http://www.ohioinsureplan.com/index.php/...

Answer 4

If you are going from group insurance to group insurance and the lapse is less than 63 days, there should be no pre-existing waiting period. Sometimes, there is a waiting period for the new coverage, but the legth of time that you were on your parents coverage would count toward that waiting period.

If you are getting an individual policy, it depends on the underwriting of the company. They could exclude that condition.

If you are leaving your parents insurance due to your age or some other qualifying event, and you feel this will not be covered by your new carrier, COBRA would be a way to get around this since it will not be considered pre-existing. It will be expensive, but if you get your nose fixed right away, you will only have to pay for a month or two of coverage.