And you're proud of that?!?rodmail said:(I have not been to a doc in 10 yrs).
And you're proud of that?!?rodmail said:(I have not been to a doc in 10 yrs).
(I have not been to a doc in 10 yrs).
And you're proud of that?!?
rodmail said:Question:
BCBS seems to have "divisions" or something of that sort state by state. I have recently bought a policy from them where I live now and was accepted (I have not been to a doc in 10 yrs).
I plan to move. When I do, it is my understanding that this policy won't work anymore.
If I go in and see a doc for a physical and things are discovered, and then I move, and seek a new policy from BCBS in the new state, does this constitute a pre-existing condition situation, or is it simply a situation that a problem was discovered after I already had a policy with BCBS so they can't exclude it.
Sure, we all do that, but we don't attempt to do our own cholesterol screenings or digital rectal exams or colonoscopies either.rodmail said:I have been a serious athlete for most of my adult life and I watch my own BP, and both those adjusted how intently I thought I needed a physical, but yes, of course as age creeps up I'm overdue for one (51) -- which is largely the prompt of the question.
I assume that you had a recent physical exam before your BCBS policy was issued. That's standard across the board for individual health insurance.
And, to answer your question, as I understand the situation, yes, you would under those conditions have a new pre-existing condition and BCBS would do an underwriting based on this new condition. I had the same situation with Humana, which covers me now under COBRA. I applied for individual insurance and they turned me down due to a condition that popped up during coverage this year.
Sure, we all do that, but we don't attempt to do our own cholesterol screenings or digital rectal exams or colonoscopies either.
Actually, BCBS from state to state are different companies. Wellpoint in the midwest, recently bought several of the BCBS in different states, so that "might" constitute same company, but you would have to check. Not sure about Calif. My MIL had BCBS from Indiana (now Wellpoint), moved to Texas, and kept the same policy with the BCBS in Indiana, even though there is a BCBS of Texas. Other then an occasional error by the doctors/hospital in submitting a bill to the wrong BCBS, there has been no problem with the BCBS of Indiana providing the health care insurance for her in Texas. She has been here for over 9 years, so if there was a problem with that, I would expect that they would have squawked by nowrodmail said:What I'm asking is BCBS . . . same company, but switching states.
She has been here for over 9 years, so if there was a problem with that, I would expect that they would have squawked by now
Nords said:So, yes, I'd say that you're right about getting coverage before you get your next physical.
Tracy42 said:All insurance companies are limited for individual policies to the state(s) in which they are licensed to do business... when you move across the state line, you typically lose eligibility to keep your prior individual policy, even with the same insurance company
magellan said:I've heard some horror stories about people leaving out big stuff from a health-care application and then having a giant bill denied later on because they didn't provide an accurate and complete application.
magellan said:I've heard some horror stories about people leaving out big stuff from a health-care application and then having a giant bill denied later on because they didn't provide an accurate and complete application.
Does anyone know what happens if you forget to list something from your past on your application? Is there a time limit of how far the "have you ever" question really goes back? Also, is there a period of time after which it doesn't matter if you missed something irrelevent from 20 years ago on the application?
I recently filled out a BCBS application for an individual policy for my wife and I and I'm amazed at how detailed the application is. I think I got all the big stuff, but I'm not positive I covered every last symptom from every doctor visit for the past 40+ years, yet the way the application is worded, that's what they are asking for.
Jim
Tracy42 said:All insurance companies are limited for individual policies to the state(s) in which they are licensed to do business. Each state has different rules about what can be excluded/included in the policy. With BCBS plans, when you move across the state line, you typically lose eligibility to keep your prior individual policy, even with the same insurance company.
mykidslovedogs said:That's true with BCBS, but not so true with other carriers like Humana One and Golden Rule that have large nationwide networks and are separate entities in different states like BCBS is.
rodmail said:"Transfer of Coverage
If you move to an area served by another Blue Cross and/or Blue Shield organization, coverage may be transferred to the BC and/or BS organization serving your new address. The new BC and/or BS org must offer you at least its group conversion policy. This is a type of policy normally provided to employees who leave a group and apply for new coverage as an individual. Conversion policies provide coverage without an exam or health statement. If you accept the conversion policy, the new BC and/or BS org will credit you with the length of your enrollment under this Agreement for purposes of waiting periods. Any physical or mental conditions covered by this Agreement will be covered by the new BC and/or BS org without a new waiting period if the new BC and/or BS org offers this feature to others carrying the same coverage. The Premiums and Benefits available from the new BC and/or BS org may vary significantly from those offered by this Agreement. The new BC and/or BS org may also offer you other types of coverage that are outside of this transfer of coverage program."