My husband is having his insurance with Blue Cross under employee sponsored group plan. We live in NJ. His bypass surgery claim has been denied for pre-existing condition. He had been treated for high blood pressure only until the heart attack on Jan 2009. We moved to US during Jul 2007.Between July 2007 to Jan 2008 we were having our insurance plan with United Health Care and since I lost my job in Jan 2008, we had to move to my husband’s insurance plan with blue cross. Please help us as the bill amount is ~157K.
Answer by Moderator - Friday, January 22, 2010 @ 12:23 pm No CommentsNo comments yet. Leave a comment |
|
Your health insurance claim denied? If you have had continuous coverage, without a period in the past 18 months with in which you have not had insurance, Blue Cross should not deny your claim due to the pre-existing medical condition. Perhaps they are not aware of your previous coverage. This can often happen when you change insurance carriers. If you do not provide them with proof of prior coverage, they will not know about it. If you have had a lapse in coverage, they can only deny the claim for the specific time in which you had this lapse. For instance, if you were without insurance for 4 months, Blue Cross can’t deny your claim after you have been insured with them for 4 months. From the dates that you provided, it sounds like you have been on the Blue Cross plan for 24 months. So, you should not be having this problem.
