pixelville
Recycles dryer sheets
- Joined
- Jan 3, 2010
- Messages
- 183
We (DH & I) recently applied for an Individual Health Insurance policy. We had been uninsured for the past 18 months and decided to go with High-deductible ($10,000) HSA eligible policy, just in case. Completely new to the Individual Health market after FIRE at about 40. Been group insured always prior to that.
As part of the Application Process the insurance company has come back with an Exclusion for Tinnitus that I was diagnosed with it in 2007 but no treatments / problems since then.
It says no coverage for "Tinnitus including any treatment, medication(s) or operation for or complications thereof. Removal of this rider is not automatic but can be reviewed for removal as of 9/21/2012".
A couple of simple questions so I am sure I understand Exclusions.
Does that mean if I do end up seeing a doctor or doing tests related to it at some point, the amount will not count towards deductible? Also would I get the "Network Discount Rate" on these, if needed?
I am concerned about "....or complications thereof...." language since it is so vague. Any claim related to Ear, Head, Brain, etc can potentially be denied with this clause?
Chance of Tinnitus coming back to bother me are slim (been free of it for almost 3 years), but I need to understand what I am signing up for.
Thanks!
As part of the Application Process the insurance company has come back with an Exclusion for Tinnitus that I was diagnosed with it in 2007 but no treatments / problems since then.
It says no coverage for "Tinnitus including any treatment, medication(s) or operation for or complications thereof. Removal of this rider is not automatic but can be reviewed for removal as of 9/21/2012".
A couple of simple questions so I am sure I understand Exclusions.
Does that mean if I do end up seeing a doctor or doing tests related to it at some point, the amount will not count towards deductible? Also would I get the "Network Discount Rate" on these, if needed?
I am concerned about "....or complications thereof...." language since it is so vague. Any claim related to Ear, Head, Brain, etc can potentially be denied with this clause?
Chance of Tinnitus coming back to bother me are slim (been free of it for almost 3 years), but I need to understand what I am signing up for.
Thanks!