I havent been diagnosed with PCOS yet..even though i have all the symptoms.. but i currently dont have health yet.. I have to apply for medicaid because i get paid biweekly and the at my job is my whole pay check if i get their .. should i wait to get diagnosed or will medicaid or family health plus cover it after i got diagnosed.. please tell me which is better?
I live in NY state.. i am waiting for an appointment wih my doc next week and then an appointment to meet to be accepted in health can take up to a few weeks… LETS JUST SAY I DESPERATELY NEED TO BE ON MEDS FOR THIS…

 

  • Lamour 5:06 am on February 8, 2010

    If you get a formal diagnosis it may not be covered. a lot of HMOs like deny coverage for "pre-existing" conditions. I suppose this is to keep people from obtaining health insurance when they already have a costly health problem. Kind of like getting life insurance after you die.

    If you can wait, just to be safe & put not yourself through the hassale of unpaid insurance claims, I would. If you are in distress you can always go to the ER and get emergency medicaid. Hope everything works out!

  • JillyBn 5:06 am on February 8, 2010

    If its only a matter of a few weeks, or a month, I would say to wait. If its gonna be longer, I wouldn’t play around with my health. Supposedly, there have been new guidelines put in place (I guess depending on your state-I’m in NY), that are supposed to protect you from being penalized for having a pre-existing condition. You never know with health insurance these days, though.

  • Robert J 5:06 am on February 8, 2010

    Yes, wait for your health insurance. Otherwise, they will consider it a pre-existing condition and not pay a penny toward it.

  • charm1936 5:06 am on February 8, 2010

    If you can get medicaid, they usually will pay any outstanding bills (up to 6 months) before you are on. Regular insurance will say its a pre-existing condition and not cover it, and most insurance companies have a 1 year rider on their policies meaning they won’t pay for any pre-existing problem for the first year. And most insurance companies have health questioners and physicals prior to insuring you.. so if you are not diagnosed with anything you would not be lying to the insurance company which is illegal

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