Question:
Is obesity a pre existing condition?

   — wendyjo (posted on February 12, 2003)

February 11, 2003
Hey Wendy I hope this doesn't post twice having trouble with my comp this A.M. Any who a pre- existing condition is any condition you already have prior to insurance coverage. So yes Ma'am Obesity is a pre- existing condition. Good Luck to ya >>>>>>>>
   — DANA B.

February 11, 2003
Actually, it depends on several things. First, if this is a new insurance company, but you have had coverage within the 63 days previous to getting this policy, no pre-exsiting conditions clauses can be used to deny you coverage. Second, in some cases, 'pre-existing' conditions can apply only to a condition you have had medical care for within the time frame the policy sets. For some it's 6 months and others a year, although there may be other time limits. The best way to find out is to read your policy or call the insurance company to find out. No matter what they tell you over the phone, tell them you want to see it in writing.
   — garw

February 11, 2003
To add to the previous post, it is my understanding that if this is insurance that you are getting through your employer (not your spouse, parents, etc.), you can not be denied coverage for a pre-existing condition. I plan to check on this with the HR dept. where I work just to confirm. I'll post again if I get a different answer than what I've already posted.
   — Carolyn M.

February 12, 2003

   — Rosario T.

February 12, 2003
The poster that gave the HIPAA information is right on the money. Wait, everyone has been kinda - sorta. It is all dependent on your particular policy. If you're thinking that since you've been obese before you got this insurance, then that doesn't necessarily mean it's pre-x. What kind of treatment you've pursued in the past and when (dates) makes a difference. And by all means, definitely make them put everything in writing. I think so many of us consider health insurance our right since it is part of a benefits package we generally hire into a company for. To employers it's an expense (not cheap, I might add). Even in the best policies they can find ways to exclude certain things. Never, ever, ever be apprehensive about asking questions. People are being paid within your company (HR) and for the insurance company to provide information. I do work in the benefits field, but from an administrative perspective. It's odd being here...I see both sides of the issues. But it has helped me in so many instances just knowing what to ask and to whom. Good luck and DON'T GIVE UP OR GET DISCOURAGED!
   — Diane S.

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