Question:
anyone with bcbs have to wait to have policy for 1 yr. even without pre existing?

I have posted on this before and really still confused my policy states that if you have pre existing condition 6 months before policy I have to wait 1 yr. to have their ins. for them to cover but i have not seen a dr. for atleast 1 yr. and a half before I had ins. and had no prior med. ins. I dont understand why they are saying i have to wait until july 31,3003 thats when it will be a yr. even though I have no pre existing cond. for 6 months prior did anyone else have this same problem? please help thank you........    — marie M. (posted on March 30, 2003)

March 30, 2003
Insurance companies are a business and they try to save money any way they can. I've read on this site hundreds of times about people having to fight with their insurance companies, appealing, re-appealing, having to get a lawyer to represent them. Obviously if they win in the end (which it seems many do) they were entitled to that benefit but had to fight for it. I know I was told that unless you've seen a doctor for a specific condition or they can prove that a normal person under reasonable circumstances would have seen a doctor for it that they can NOT use it as a pre-existing condition. If I were you I'd stand firm on this and even get a lawyer if necessary. No matter what insurance company it is, they are not looking out for your best interests so its your job to do so yourself. I wish you the best.
   — Shelly S.

March 30, 2003
Dont give up...I have Anthem BCBS in VA, I had approval after the first letter. Have your doctor write another letter about your co-morbidities and the effects it has on everyday life. be patient, call the insurance company...be relentless. Dont give up...You deserve this surgery, and you are your best advocate, Good luck
   — Nancy H.