Question
Hi,
I'm 24 years old, just finished grad school, and am currently unemployed. Shortly before my graduate student health insurance ran out, I visited two urologists for a chronic problem (dysuria). Neither doctor ever arrived at a diagnosis. Here are my questions:
If I was never given a diagnosis, but was given a prescription as a diagnostic tool (which I will not refill, as it had no effect), is there any way around being described as having a pre-existing condition? If I begin to experience new symptoms that were not part of my condition before, can I go to the same urologist for those symptoms and not have it count as a pre-exsting condition?
Alternatively, will Medicaid cover pre-existing conditions? Will it be difficult for me to apply for Medicaid as a recent graduate?
Answer
Hi!
Pre-existing clauses are all different per insurance company.....some do not even allow them anymore. It would be impossible for me to tell you whether they would consider this as pre-existing but it does fall into that category, being treated a condition prior.
Medicaid is state specific so you would have to go on their website to see if they cover pre-existing. As far as applying, again Medicaid in each state has different guidelines. Most states have a quick application on their website where they will tell you right away if you may qualify or not.
Good Luck!
Tricia
