[求助！！！]保险公司说pre-existing condition, 拒付几千美金# NextGeneration - 我爱宝宝
R*i
1 楼
一直都在这个板块，觉得这边的妈妈很热心，就发帖求助了。若发错版了，麻烦转。
今年8月份，老公觉得耳朵强烈不适，就去找了专科医生看了一下。在医生的建议下，
还做了几个测试。结果收到了保险公司拒绝支付医疗费用的信件，说是pre-existing
condition，需要支付所有的费用，粗略一算，好几千美刀啊。
Your certificate has been reviewed and in compliance with HIPAA, it has been
determined that there is no credible coverage. This determination was made
on the basis that the break in coverage between your loss of coverage under
your old plan and your enrollment date at your current employer is more than
63 days. Therefore, if any conditions are determined to be pre-existing,
you will be required to fulfill the pre-existing limitation period stated in
your plan.
老公以前的旧保险2012年10月底结束，目前的保险2013年3月1日生效，当中的间隔期的
确超过63天。但这是第一次去看耳朵专科医生，以前在中国和美国都没有去看过耳朵方
面的专科医生。这个怎么就是Pre-existing condition？
新手遇到这种情况，觉得都要晕过去了，一下子多出了好几千的医疗债务。有知道相关
情况的姐妹可否帮忙？这种情况真的属于Pre-existing condition吗？我们怎么去上诉
？需要准备什么材料了？
多谢了
今年8月份，老公觉得耳朵强烈不适，就去找了专科医生看了一下。在医生的建议下，
还做了几个测试。结果收到了保险公司拒绝支付医疗费用的信件，说是pre-existing
condition，需要支付所有的费用，粗略一算，好几千美刀啊。
Your certificate has been reviewed and in compliance with HIPAA, it has been
determined that there is no credible coverage. This determination was made
on the basis that the break in coverage between your loss of coverage under
your old plan and your enrollment date at your current employer is more than
63 days. Therefore, if any conditions are determined to be pre-existing,
you will be required to fulfill the pre-existing limitation period stated in
your plan.
老公以前的旧保险2012年10月底结束，目前的保险2013年3月1日生效，当中的间隔期的
确超过63天。但这是第一次去看耳朵专科医生，以前在中国和美国都没有去看过耳朵方
面的专科医生。这个怎么就是Pre-existing condition？
新手遇到这种情况，觉得都要晕过去了，一下子多出了好几千的医疗债务。有知道相关
情况的姐妹可否帮忙？这种情况真的属于Pre-existing condition吗？我们怎么去上诉
？需要准备什么材料了？
多谢了
