Health Insurance Question

[Spineshank]

As of yesterday i am no longer with my old health insurance company. But 3 weeks ago i had an MRI done, will they still cover it since i was still covered at the time or am i sol?

 

[Alchemist99]

Yes.

 

Call your insurance company. No one here is going to be able to tell you how their policy works.

 

[Alchemist99]

Originally posted by: SampSon
Call your insurance company. No one here is going to be able to tell you how their policy works.

Don't be silly, it's simple he had a medical need during his coverage and he was insured, it's not like a policy will say we will only cover you if you maintain insurance with us for x amount of time after you use it. come on this is basic common sense

 

[mAdMaLuDaWg]

Originally posted by: SampSon
Call your insurance company. No one here is going to be able to tell you how their policy works.

YOU KIDDING ME? YOU ACTUALLY WANT HIM TO PICK UP A PHONE AND *SHUDDER* TALK TO SOMEONE!?!?! NO WAY... THIS IS ATOT IN CASE YOU FORGOT!

 

Originally posted by: Alchemist99

Originally posted by: SampSon
Call your insurance company. No one here is going to be able to tell you how their policy works.

Don't be silly, it's simple he had a medical need during his coverage and he was insured, it's not like a policy will say we will only cover you if you maintain insurance with us for x amount of time after you use it. come on this is basic common sense

Common sense and insurance companies don't mix, common sense will tell you this.

I've had issues when a health provider billed me for services AFTER my insurance coverage elapsed. The insurance company refused to pay for the services. It is NEVER cut and dry with health insurance.

 

[DaTT]

nm

 

[Spineshank]

Well it is a Sunday otherwise i would have called and tomorrow is when I will see if the MRI place will accept it.

 

[Alchemist99]

Originally posted by: SampSon

Originally posted by: Alchemist99

Originally posted by: SampSon
Call your insurance company. No one here is going to be able to tell you how their policy works.

Don't be silly, it's simple he had a medical need during his coverage and he was insured, it's not like a policy will say we will only cover you if you maintain insurance with us for x amount of time after you use it. come on this is basic common sense

Common sense and insurance companies don't mix, common sense will tell you this.

I've had issues when a health provider billed me for services AFTER my insurance coverage elapsed. The insurance company refused to pay for the services. It is NEVER cut and dry with health insurance.

What ever, listen you pay for coverage from x time to y it's simple law, just because you had a problem doesn't really mean much, get a lawyer if it's an issue which I highly doubt it will be, If it was some how pre excluded by the policy then that is different.

 

What ever, listen you pay for coverage from x time to y it's simple law, just because you had a problem doesn't really mean much, get a lawyer if it's an issue which I highly doubt it will be, If it was some how pre excluded by the policy then that is different.

Where do laws come into play here? Don't start talking out of your ass using some generalities. It's the insurance companies ultimate decision if they cover the services or not. Nearly every insurance carrier must approve of a service like an MRI before it is performed. If you go out and get an MRI or some other similar expensive service performed without the carrier approving it prior, most likely they are going to decline covering that service. You have very little legal recource in this situation.

 

[Yzzim]

Originally posted by: SampSon

What ever, listen you pay for coverage from x time to y it's simple law, just because you had a problem doesn't really mean much, get a lawyer if it's an issue which I highly doubt it will be, If it was some how pre excluded by the policy then that is different.

Where do laws come into play here? Don't start talking out of your ass using some generalities. It's the insurance companies ultimate decision if they cover the services or not. Nearly every insurance carrier must approve of a service like an MRI before it is performed. If you go out and get an MRI or some other similar expensive service performed without the carrier approving it prior, most likely they are going to decline covering that service. You have very little legal recource in this situation.

Exactly. And who knows if the MRI was for a pre-existing coniditon he had before he was insured?

 

[Alchemist99]

Ok people lets wake up here, the op asked if because his policy expired would that exclude his coverage from a date prior to expiration, I said no if it was covered under policy then they would have to pay for it. You guys are talking about policy exclusions that is something else entirely, pull your heads out!

 

[alkemyst]

Originally posted by: SampSon
Common sense and insurance companies don't mix, common sense will tell you this.

I've had issues when a health provider billed me for services AFTER my insurance coverage elapsed. The insurance company refused to pay for the services. It is NEVER cut and dry with health insurance.

I actually can agree with Sampson on something.

If you are ever in the middle of starting major medical treatment, do whatever you can to avoid changing policies.

That said if you can join up with a large enough company, most of the time you can get full coverage even on pre-exisiting conditions. However, if they are expensive enough your new insurer may take you to court for an 'out'.

 

[Spineshank]

The only reason this is an issue is because I got a new job. Have coverage under them but have a $500 deductable. I had my own insurance that i cancelled that i thought was supposed to take affect in a week. But i got a letter saying it took affect yesterday. So i wasnt planning on this being an issue anyhow.