Unicare Health Insurance – Pre-Existing Conditions and Gynecological Exams/routines-How Do Health Insurance Companies View Gyno Routines?
Unicare Health Insurance
Unicare Health Insurance question by Sue: Pre-existing conditions and gynecological exams/routines-How do health insurance companies view gyno routines?
I was under my dad’s health insurance for several years and then I switched to a new medical insurance recently or not too long ago but it is a private health insurance at the moment. I have Unicare insurance. I am aware that insurances will not cover pre-existing conditions. For my regular doctor it does not cover my cholesterol, a pre-existing condition and my allergies. My pre-existing condtion for my endroconoligist would be the slight hormone imbalance or dhea sulfate imbalance i had which I think was taken care of. I tried to make an appointment with the gynecologist and they wanted to know if my insurance would cover me. I think the last time I went there was about six months ago and I am sure I had the same insurance I have at the moment. I am sure that my insurance company covered my visit the last time but don’t remember. I don’t see why an insurance company will not cover a patient for routine gynelogical exams, pap smears, office visits.
I am fully aware that when you switch health insurances the new insurance will not cover a pre-existing condition for a certain period of time. But what exactly does a gnyecological doctor view as a pre-existing condition? The only thing i can think of is if you had a pre-existing condition such as a reproductive condition under your old insurance and still had the condition when you switched insurances. Are any of the following considered pre-existing conditions according to gynecological doctors? I guess reproductive conditions might be pre-existing. I do not remember of any pre-existing conditions i had reproductive wise before hand. I think I did a while back but I believe the conditions were taken care of way before I switched insurances but i am not sure.
unicare health insurance best answer:
Answer by 65% water
Usually a routine yearly checkup would be covered, but not treatment for any pre-existing gynecologic condition.
I’m confused by your belief that pre-existing conditions are not covered. My understanding was that if you had unbroken coverage from one policy to another your pre-existing conditions legally have to be covered.
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