I got injured while I didn't have a job or health insurance. Does this have an effect on health coverage?

  • by ?
  • Jul 04,2018
  • 10 answers

I got injured while I didn't have a job or health insurance. Does this have an effect on health coverage?


LIKE OR DISLIKE:

  

Insurance Answers (10)

TexHabs last week

MRI's aren't cheap even if you DO have insurance. Next time you apply, expect to pay more from now on.

Help others find the most helpful reviews
Was this review helpful to you?  

Casey Y last week

There is a reason they are not giving you an MRI. Without the initial MRI, how would you know the extent of the injury? I bet you had one and now they don t want to pay for you to have another one...

Help others find the most helpful reviews
Was this review helpful to you?  

lucy last week

https://www.healthinsurance.org/obamacar...
Under the ACA (affordable care act), pre existing conditions are covered.
BUT, the question is, did he buy his health insurance during open enrollment or a “qualifying” event? If not, then any policy he purchases (can) exclude pre-existing conditions. Since the reason for the specific open enrollment and qualifying events is to prevent someone to buy a policy (outside) that time frame and get instant coverage (after) they find out that they need it, but if not, then they would have decided to be uninsured.
The problem is that an MRI is expensive thus insurance may want the doctor to choose other options instead (before) they (might) approve it. We are only making guesses, so today, can call them and have them clarify for you.

Help others find the most helpful reviews
Was this review helpful to you?  

Eva last week

Under the ACA, they cannot deny coverage for a pre-existing condition. You may have to remind them of this. Be aware that this protection will go away as of Jan 1, 2019 when the mandate expires.

Help others find the most helpful reviews
Was this review helpful to you?  

Flower last week

If you just purchased new insurance they should cover an MRI. If you did not have insurance before when you got the injury is the reason it is not covered.

Help others find the most helpful reviews
Was this review helpful to you?  

Gaia’s Garden last week

It’s called a pre-existing condition because it happened before you got insurance. Insurance companies almost never cover them.

Help others find the most helpful reviews
Was this review helpful to you?  

Who last week

No insurance will cover you for an injury you had before the insurance started
(to make things simpler
Imagine you have a house, but it aint insured
the house burns down
You think - "No problem - I got a pile of burned out rubble so I will insure the house against fire"
You think the insurance is gonna pay to rebuild the house?

Help others find the most helpful reviews
Was this review helpful to you?  

StephenWeinstein last week

Under current law, they would not care.
Previously, they would have cared -- because they would have denied the claim simply because you did not when the injury happened. Whether you waited or not would not have mattered. There was no coverage for an injury or illness that first began when you had no insurance.

Help others find the most helpful reviews
Was this review helpful to you?  

amy lynn last week

The issue is that insurance considers the test unnecessary. It might be the time frame from when the injury first happened. It might just be a policy that the insurance wants other tests tried first. You would need to talk to the insurance company. I have been denied coverage for certain types of scans just because the insurance wanted the doctor to try a different kind of scan first before going right to the most expensive type of scan.
If the doctor determines that you need surgery for your injury, then insurance would cover it even though the injury was before coverage began.
Under the Affordable Care Act, pre existing conditions can not be denied coverage. Any NEW expenses related to ANY old conditions WOULD be covered. Expenses that happened before coverage started would not be covered. However, insurance can determine some procedures or tests to be unnecessary and deny coverage for those things.

Help others find the most helpful reviews
Was this review helpful to you?  

exactduke last week

now my health insurance is denying an MRI for my knee and I believe it is because I took so long to take care of it.
Is there some reason you aren't asking your insurance company WHY your claim is being denied?? That way you wouldn't have to ask complete strangers on the internet.

Help others find the most helpful reviews
Was this review helpful to you?  

Post a Answer

Your comment was successfully posted!

Or use your account on Blog

Error message here!

Hide Error message here!

Forgot your password?

Or register your new account on Blog

Error message here!

Error message here!

Hide Error message here!

Lost your password? Please enter your email address. You will receive a link to create a new password.

Error message here!

Back to log-in

Close