will an insurance company just turn you down automatically if you have pre existing conditions, or will you find out later on when you try to file a claim that your coverage is limited? i get bcbs through my job, and im single.
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Ok. For starters, if you're getting Insurance through you job, you are part of a Group Health Plan and cannot actually be turned down. That's one of the advantages for Group Health coverage. Also, you don't really have an agent to talk too because the Sales Agent sold the policy to the company, not to you. Instead, talk to your Human Resources department. If you were to go to the doctor with one of the preexisting conditions that your policy excludes, you would be informed when the claim was denied. While I was working for an insurance company, occasionally I'd see claims denied incorrectly because the system had thought the person was seen for something that would have been preexisting. It happens. Always question claims. In general, Preexisting conditions are chronic conditions that existed before you had insurance. These are the kinds that would get people to go out and get insurance. Because insurance doesn't work if people only have a policy when they are sick and drop it when they aren't. Now, each state has it's own laws, so it's hard to be specific. Indeed, in each state BCBS has slightly different rules to accommodate the vast changes in law. So ask you HR. Also, call BCBS and ask for a Plan Certificate, Plan Booklet, ect. It's the coverage of your plan laid out in boring detail. It will have a list of exclusions.
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