Originally Posted by Escobar600
Im waiting for my insurance to kick in and then im going to go to the orthopedic surgeon, i was given a referral from a regular doctor who couldnt cast me or perform surgery on me so i have only been xrayed and told that i do have a slight fracture in the side of my right foot. im making a complete different appt. with a totally different orthopedic surgeon that was referred to me which probably won't make a difference insurance wise but i don't think its FRAUD since it just happened and i have not been treated but either way they will either cover me other not cover me...i just wanted to know what is really considered a pre existing condition? i think its bigger than what i have like if i was diagnosed with a cancer and already doing chemotherapy for a few months and decided to switch insurance i would assume thats pre exisiting or like a pre existing heart condition, etc, idk thats why im asking.
When either you or your doctor submits a claim to an insurance company, it will be necessary to indicate the date of onset of the condition (in this case a fracture). If you admit that a fracture which is currently the source of the need for treatment occurred prior to your obtaining insurance, it will not be covered. If you lie, it's insurance fraud. It doesn't matter how close you were to buying insurance coverage. Pre-existing exclusions such as a history of cancer, diabetes, heart disease, etc. are generally written into the policy at the time of issuance if they are not to be covered. You cannot wait until you get sick or injured or have an auto accident or jewelry stolen or have your house burn down and THEN get insurance that will cover it.