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Health insurance... could use some advice

UnatcoAgent

UnatcoAgent

Diamond Member
Cliffs:
- Benefits at work started early February
- Saw doctor late January about minor thing which could be a major illness
- Pre-existing condition under benefits at work; seeing a doctor about any symptom prior to coverage start negates coverage
- Very worried by seeing the doctor ahead of benefits starting for something possibly unrelated, they won't cover me
- This is in Canada, the benefits are much better than provincial coverage

I started a full time job 3 months ago, and on Feb 2nd passed probation and my benefits kicked in. Unfortunately I've been having symptoms of what could be a critical illness in the past few weeks, and am currently in the middle of testing. I initially went to a walk-in clinic to get what could be a minor symptom checked out 2 days before my benefits kicked in, unknowing that under my insurance it has a pre-existing condition clause...

Basically if you "see a physician" about a "symptom" 24 months up to when your benefits kicked in, regardless of whether you have been diagnosed with anything, you are not covered. Now I am terrified that because I went to the doctor about something that could have been entirely unrelated, but could also be linked to a potential illness, they will deny me coverage.

I'm stressing about a lot of things right now, this I just found out yesterday and it's really getting to me.

Any advice would be appreciated
 
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Sabot said:
I started a full time job 3 months ago, and on Feb 2nd passed probation and my benefits kicked in. Unfortunately I've been having symptoms of what could be a critical illness in the past few weeks, and am currently in the middle of testing. I initially went to a walk-in clinic to get what could be a minor symptom checked out 2 days before my benefits kicked in, unknowing that under my insurance it has a pre-existing condition clause...

Basically if you "see a physician" about a "symptom" 24 months up to when your benefits kicked in, regardless of whether you have been diagnosed with anything, you are not covered. Now I am terrified that because I went to the doctor about something that could have been entirely unrelated, but could also be linked to a potential illness, they will deny me coverage.

I'm stressing about a lot of things right now, this I just found out yesterday and it's really getting to me.

Any advice would be appreciated
Click to expand...

Sorry, the country rejected Obama's plan so suck it.


How is this relevant to the thread? Helpful to the OP?

It's not. Trolling again. You keep pulling this crap, and I'll ban your sorry ass myself, and enjoy every second of it.

bamacre (Forum Director)
 
Sabot said:
Yes, however the care under the company's benefit plan is significantly better
Click to expand...

Then try it on your company's plan, if they reject you fall back on the country's care. You're in a much better situation than most people that have issues with pre-existing conditions in the states.
 
Bignate603 said:
Then try it on your company's plan, if they reject you fall back on the country's care. You're in a much better situation than most people that have issues with pre-existing conditions in the states.
Click to expand...

Yes.. you are certainly right about that. I suppose what I am wondering is if the insurance can look back at your physician history, even walk-in doctors, which seems like a stupid question the further I think about it. Ugh..
 
since half of those here are doctors, 🙄, explain what "critical illness" it is that you think you have
 
lykaon78 said:
Don't ever mention you went to the doctor in January. Profit.
Click to expand...

I don't plan on it - but I had assumed that they would have a way of finding this out? ie checking my patient history via my health care number and seeing I went at x time for x symptom (seeing as the reception asks you why you're visiting the doctor)
 
Sabot said:
I don't plan on it - but I had assumed that they would have a way of finding this out? ie checking my patient history via my health care number and seeing I went at x time for x symptom (seeing as the reception asks you why you're visiting the doctor)
Click to expand...

Sounds like a wait-and-see, unless there's somebody around here who works in the Canadian healthcare system.
 
Sabot, most of those kind of diagnosis aren't fast evolving, unless it's cancer. Just chill a bit.

I know that's a lot easier to say than do, but hang in there, wiat for the insurance to kick in and then get "diagnosed", and consider yourself lucky to live in a country with nationalized health care if the worst happens.

Plan b is to take some time off and get seen in the US on your own dime. There are some other unethical things you could do, like use someone else's name, which is pretty common here in the US...
 
OP, you're definitely fucking lucky. as mccowenguy so eloquently pointed out, you would be completely fucked in the US unless you could somehow qualify for medicare or another very limited government program.

just be thankful you have something to fall back on. if you were in the US, my advice would be to lie, lie, and lie some more, but being that you have a decent alternative, i don't know that it's really necessary. fraud charges would probably be a longshot, but it's possible.
 
Pliablemoose said:
Sabot, most of those kind of diagnosis aren't fast evolving, unless it's cancer. Just chill a bit.

I know that's a lot easier to say than do, but hang in there, wiat for the insurance to kick in and then get "diagnosed", and consider yourself lucky to live in a country with nationalized health care if the worst happens.

Plan b is to take some time off and get seen in the US on your own dime. There are some other unethical things you could do, like use someone else's name, which is pretty common here in the US...
Click to expand...

OK thanks, and you are right about the fast evolving factor... I have been insanely stressed out the past while and I'm sure that is not helping... thanks again
 
brblx said:
OP, you're definitely fucking lucky. as mccowenguy so eloquently pointed out, you would be completely fucked in the US unless you could somehow qualify for medicare or another very limited government program.

just be thankful you have something to fall back on. if you were in the US, my advice would be to lie, lie, and lie some more, but being that you have a decent alternative, i don't know that it's really necessary. fraud charges would probably be a longshot, but it's possible.
Click to expand...

Yes it's a scary situation to be in, I can't imagine if I was in the U.S with this kind of thing even potentially coming up... :S
 
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