Monday, August 8, 2011
How did they decide it's a "pre-existing" medical condition?
Started a new job at the end of may, My insurance (Aetna) kicked in at the beginning of July, shortly after I began seeing a specialist due to sharp, paralyzing pains in my pelvic area. I was just now looking at my profile to see what all Has been covered and how much my deductible was, and realized that I have a $5000 lifetime preexisting medical condition maximum and $200 something has already been applied. Which came from the visits to the specialist about the pains I have been experiencing. My question is; How did they decide it was a preexisting medical condition? I had never been to a doctor about that issue! I am scheduled for a "diagnostic" Larposcopy for the beginning of October due to these pains, I am guessing that, that will be included in my "preexisting" condition; which would mean I have reached my life time max, which wouldn't be an issue but hubby and are getting ready to start seeing a fertility spec.due to not being able to conceive, I'm sure they would consider that as preexisting as well, which would mean I would have to pay any expenses right? Im really annoyed. can someone PLEASE tell me how they determined this a preexisting condition?? thank you in advance!!
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