Not sure now about Oral Challenge?

Posted on: Thu, 12/28/2006 - 5:48am
KIMMO's picture
Offline
Joined: 11/04/2006 - 09:00

I just called about the pricing for the Oral Challenge because I don't have any insurance. It's $125 per hour! I wasn't expecting that. I'll have to be there for minimum of 6 hrs. I have a feeling I will be canceling the apt. tomorrow. We are in the process of checking out insurance, but it will be about sometime next month before we are insured.

Will the insurance cover me if I'm tested as soon as I'm insured? I was just wondering how that works.

I just feel like I need to know for sure that I'm PA & TNA.
Thanks

Posted on: Thu, 12/28/2006 - 8:04am
Carefulmom's picture
Offline
Joined: 01/03/2002 - 09:00

I know a lot about health insurance. Will you be going on a group plan (through a job or through your spouse`s job) or are you applying for an individual plan? If you are applying for individual insurance, it is unlikely that you will be approved with an unresolved medical issue like this. This is why it is important to get health insurance when you are healthy. If it is a group plan, then you will be covered as soon as the insurance starts, but it is possible that your preexisting conditions will be excluded for a certain time period. The laws vary by state. I am in California, and here your preexisting conditions would be excluded for the first six months, because you were uninsured. If you had continious coverage before going on a group plan, then your preexisting conditions would all be covered.

Posted on: Thu, 12/28/2006 - 8:48am
KIMMO's picture
Offline
Joined: 11/04/2006 - 09:00

Thanks for the info. I'm actually going to cancel the challenge. There is no need to do this & waste the money on it if I already know that I have reactions to PN TN. I'm still going to be tested for Celiacs Disease though.
Thanks again. I wondered though if I was going to be considered pre-existing condition though with the insurance.

Posted on: Thu, 12/28/2006 - 8:04am
Carefulmom's picture
Offline
Joined: 01/03/2002 - 09:00

I know a lot about health insurance. Will you be going on a group plan (through a job or through your spouse`s job) or are you applying for an individual plan? If you are applying for individual insurance, it is unlikely that you will be approved with an unresolved medical issue like this. This is why it is important to get health insurance when you are healthy. If it is a group plan, then you will be covered as soon as the insurance starts, but it is possible that your preexisting conditions will be excluded for a certain time period. The laws vary by state. I am in California, and here your preexisting conditions would be excluded for the first six months, because you were uninsured. If you had continious coverage before going on a group plan, then your preexisting conditions would all be covered.

Posted on: Thu, 12/28/2006 - 8:48am
KIMMO's picture
Offline
Joined: 11/04/2006 - 09:00

Thanks for the info. I'm actually going to cancel the challenge. There is no need to do this & waste the money on it if I already know that I have reactions to PN TN. I'm still going to be tested for Celiacs Disease though.
Thanks again. I wondered though if I was going to be considered pre-existing condition though with the insurance.

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