Will an insurance company pay for a surgery if..?

Question

..I had it before I got the insurance?

Just about a month ago I had chest reconstructive surgery.

I'm 18 years old so I have to be a full-time student to be covered by my parents' insurance.

However, I realized I can't afford to pay for college. I have no job and I also desperately need a car.

I want to take a year off to work and save money and get a car and then go back to college when it rolls around next year.

However, my surgery hasn't been paid for yet and I only have until the 29th to drop my classes without being charged.

If I were to quit college to work, how much would insurance be for me per month and would they even cover the charges of the surgery since I had it done before getting the insurance?

Thanks.

Answer 1

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Answer 2

No,  unless it's welfare insurance, and you APPLIED for the insurance before the surgery.

But it sounds like you had coverage in place at the time the surgery took place.  Or am I missing something here?

IF you got a policy, it would likely cost you about $200 a month or less, for a low/no deductible plan.  BUT, depending on your health and why you needed your chest reconstructed, you could have a very, very hard time finding ANY insurance company willing to take you at all.  

Answer 3

No.

The insurance company will only pay for covered medical expenses incurred during the policy period.

Answer 4

At this stage, there is NO insurer which will pick up the cost of your previous surgery.  You can't buy insurance to cover issues you have BEFORE you got the insurance.  Insurance is only for FUTURE events.