Should i answer the quetion to insurance

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#1 Post by **bracesscared** » Thu Jun 10, 2010 9:48 am

Lately, i ve been working on getting medical insurance in order to get my orthognathic surgery covered. I have not had insurance for a year sincce i graduted from college. I have talked to a couple of insurance representatives and they have said that in the application, i would have to answer the following question" if i have ever seen a doc who has advised me to have the orthognathic surgery". I guess this is to determine whther or not my case is a preexisting condition. Regardless of the question, i feel like im still going to have a waiting period becasue of my year gap in insurance.

Do u guys let the insurnace company know that u are having the surgery down the road or not? Im confused. The surgeons office was like just get a plan that is PPO and that it does not exclude orthognathic surgery. But i really want the insurance to cover and the premiumis about 100 dollars a month. It si thru united health and AETNA. hELP

#2 Post by **Hyrule** » Thu Jun 10, 2010 10:36 am

Unfortunatly i dont have an answer for you. The only piece of advice i could give you is dont lie to your insurance company. If they find out you lie they can, to my knowledge, revoke your insurance plan and ask you to give back the moeny the gave you to the point where they could sue you. I dont have any experience with such insurance companies since i'm in Canada and those kind of surgery are covered by provincial healt insurance which by default everybody has. But i know that lying to an insurance company is not a good idea.

#3 Post by **OzzysMom** » Thu Jun 10, 2010 1:52 pm

I don't know exactly either but when I first saw my ortho and he knew I was a surgical case, I was told NOT to see a surgeon until after I had insurance. It turned out I was "uninsurable" anyway so it did not matter. Apparently, after you see a surgeon, it is on record and is considered a pre-existing condition.

#4 Post by **shennalicious** » Sat Jun 12, 2010 5:23 am

Scaryyy, i dont know. Is that on all insurance papers?

#5 Post by **boatsink** » Sat Jun 12, 2010 7:55 am

Look for job that will provide you with health benefits. I saw a surgeon prior to college. After college, I got a job with health insurance. Didn't matter for me if I've seen a surgeon. I was on my employer's health plan of choice and got approved for surgery. Best of luck!

#6 Post by **bbsadmin** » Sat Jun 12, 2010 10:22 am

IMO, unless there is current documentation somewhere that you saw a doc who advised you to have the surgery, then you can say whatever you want. How would the insurance company find out that you saw someone if there is no documentation, or documentation that is so old (more than a few years) that it would be buried someplace?

#7 Post by **Marisama** » Sat Jun 12, 2010 1:55 pm

I couldn't agree more. I never used my insurance while I was in college when I had consults with Oral Surgeons. I made sure that there was no documentation.