I’m a foreigner working in the US on a visa, and although I’ve lived here for a long time, this is my first year on a US medical insurance and I have about 2 months left on my first cover period.
Long story short, I wasn’t really sure what goes in the underwriting process and didn’t get extremely detailed about the procedures I got back home when I was much younger. I was told by friends that this isn’t a big deal at all unless the past condition is still present (i.e., pre-existing condition). The tricky thing is that I wish to see a psychiatrist or a psychologist for anxiety and attention deficit symptoms that are affecting my ability to be concentrate and even articulate things. I remembered that this is the same condition that I briefly sought help on over 20 years ago. The treatment I received back then worked but came with side effects so I discontinued it and I learned to live with the condition, then the symptoms themselves dissipated over time (they were still there but not something I couldn’t manage or had to ). Now that I am looking to receive treatment for conditions that I consider similar, I am not sure what I should do – I could just omit my past conditions and tell them what I am experiencing now, but I’m not sure if that would necessarily be helpful for my treatment. But if I just go see a doc and the office relays my treatment history from 20+ years ago in their diagnosis, is there a chance the insurance company will consider this a pre-existing condition and deny me coverage?
I am mainly concerned about the underwriting requirement that said something like I should have indicated any conditions regardless of if I received treatment or not. What happens if I tell the insurance company now that I want to add additional things that I forgot to write when I first signed up? Is this all worrying too much about things they won’t care about?
submitted by /u/Hopeful_Hawk_5888
[link] [comments]I’m a foreigner working in the US on a visa, and although I’ve lived here for a long time, this is my first year on a US medical insurance and I have about 2 months left on my first cover period. Long story short, I wasn’t really sure what goes in the underwriting process and didn’t get extremely detailed about the procedures I got back home when I was much younger. I was told by friends that this isn’t a big deal at all unless the past condition is still present (i.e., pre-existing condition). The tricky thing is that I wish to see a psychiatrist or a psychologist for anxiety and attention deficit symptoms that are affecting my ability to be concentrate and even articulate things. I remembered that this is the same condition that I briefly sought help on over 20 years ago. The treatment I received back then worked but came with side effects so I discontinued it and I learned to live with the condition, then the symptoms themselves dissipated over time (they were still there but not something I couldn’t manage or had to ). Now that I am looking to receive treatment for conditions that I consider similar, I am not sure what I should do – I could just omit my past conditions and tell them what I am experiencing now, but I’m not sure if that would necessarily be helpful for my treatment. But if I just go see a doc and the office relays my treatment history from 20+ years ago in their diagnosis, is there a chance the insurance company will consider this a pre-existing condition and deny me coverage? I am mainly concerned about the underwriting requirement that said something like I should have indicated any conditions regardless of if I received treatment or not. What happens if I tell the insurance company now that I want to add additional things that I forgot to write when I first signed up? Is this all worrying too much about things they won’t care about? submitted by /u/Hopeful_Hawk_5888 [link] [comments]Read Morer/HealthInsurance