Have any of you had an issue with your insurance company claiming something is a "pre-existing condition"? I'm so upset right now...
Last year sometime when I was still on my parents insurance plan I went to see a doctor at the E Clinic. He never any tests. All he did was prescribe me pain medication as well as medication for acid reflux. He never actually said I had it. He said take the pills and we will see. I didn't take the pills and the pain just seemed to go away.
Fast forward to 2 months ago when I decided to get my own health insurance. I've been having some issues with my throat.. so I went and saw a different doctor, a specialist at the University of Washington. He looked down my throat with the endoscope and said I mostlikely have silent acid reflux. So he prescribed me some medication.. which I started taking but didn't really see in any results for 2 weeks, so I decided to get a second opinion.
I scheduled to go see a specialist at the E Clinic, because I felt a lump in my throat and whenever I swallow my throat pops. After a while it becomes painful, like I feel like my throat is bruised. Anyways so I went in a couple days ago and really it was the worst visit ever. I was in there for 5 minutes max (at the UW clinic I was there for at least an hour). Soon as I walked in, I told the nurse who comes in before the doctor, that I was basically there to get a second opinion. She leaves to get the doctor, 3 seconds later they are outside the door going over my chart: I can hear everything! The nurse was telling the doctor that there wasn't really anything they can do for me because I already went to the UW clinic.
(what people don't get second opinions these days?!)
She comes in, doesn't say anything really except asking me to put my head back.
(no hello or asks me why I'm there). Sprays my nose with that awful numbing stuff that tastes like crap and makes it hard to talk. Then she started talking... she said "I see you went to see Dr. X at UW. We work with them all the time... we actually send all our patients there... our equipment isn't as as good and not as accurate.. so I'm sure what he told you is correct". Before I can respond she started stabbing me with the scope thing.. and I told her that the popping hasn't stopped! I was kinda pouting in pain
(no kidding their equipment isnt as good. It felt like she was stabbing a pencil up my nose!) then she was like "oh you have a deviated septum, that's why it hurts so much". What? How? I don't even think she knew what she was talking about. I don't think people are just born with that.. and last time I checked I haven't had any trauma to the head. Towards the end she again said, Dr X had the right diagnosis and I should continue taking the pills for at least a month. Then she said as for the popping it may be cartilage... then I asked so what can be done. And she says "nothing"! Some people just go throughout their life with a popping throat. I repeated what she said to me,
in like a you're retarded tone, then said, are you serious? So by the time I'm 70 I will be in constant pain 24/7. That does not make sense. I just left it at that. I had to leave. I couldn't listen to her anymore.
(**breathe**)
Then today, I get a letter from my insurance company... ...
"An EDIT TO THE ORIGINAL BILL" THEY SENT ME! Apparently my visit to Dr. X at the UW clinic is not covered because they consider it a pre-existing condition. And it's a huge f*ing difference. Like a couple thousand. And I'm super freaking out because I went in for my second opinion a few days ago!!! O.M.G.
Have any of you gone through the process to claim something was not a pre-existing condition? I don't know if I really have a case. The original doctor said it could be..it was like, lets see if this works.
pre-existing condition -- insurance company
. I was livid with fury
. As i was leaving the doctors office i told the Manager (all doctor offices have one for admin and accts.) that if that nurse did not like kids she needs to get her ass out of there and into some other profession.
I haven't had to deal with pre-existing conditions although that is one of my fears (with my cancer history) since Mr. Z's company changed to Anthem (which STINKS) insurance this year. 
)
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