DWPC
Dryer sheet wannabe
All it takes is a billing code or Rx
I've just been through underwriting for an individual policy with a major insurer. If your doctor filed for payment using the std code for a condition, or prescribed an Rx typically used for it within the deadline period, it will be noted as a potential pre-existing condition that the insurer can refuse to cover. To refute, you need to get the MD to write letter explaining why it shouldn't be a condition or that its a goof (...good luck with that!).
I've just been through underwriting for an individual policy with a major insurer. If your doctor filed for payment using the std code for a condition, or prescribed an Rx typically used for it within the deadline period, it will be noted as a potential pre-existing condition that the insurer can refuse to cover. To refute, you need to get the MD to write letter explaining why it shouldn't be a condition or that its a goof (...good luck with that!).
