Precondition Issues With Health Insurance

I am in my forties and have three small children. I want to share what recently happened with me and my insurance company. Between all the different stories you hear about people and their health insurance companies, this topped the chart for a middle class mom making $36,000.00 a year.

Working for a small company I was not able to obtain health insurance because they did not offer it. My kids and I were covered separately, prior to that my kids were the only ones covered. With co-payments for doctor visits and discounts on prescriptions it was working out perfect. It was barely affordable but we were covered. I needed the benefits of co payment because it seemed we were always at the doctors for some reason or another.

A friend of mine had insurance with the same company. After taking about her plan I really needed to switch to a the family plan. It had more benefits and the premium was a lot less than what I currently paying. I decided to call the company to change my plan. When talking to the agent I mentioned that I had recently paid my premium. He informed me that I could not transfer the funds and they had to cancel my policy first and start all over with a new one. I would receive a check between five to 7 weeks. So now I was out that money and needed another payment immediately to stay insured.

A few months go by and I needed a routine test done for my past condition. By that same time the insurance company sends me a letter to let me know that the condition I have was a precondition (before the new policy) and that if the routine test came out positive it would not be covered. The test was covered but not the condition.

Well, I have not resolved it with them so in the meantime I am waiting, afraid to set an appointment for the exam. Imagine if I get diagnosed with a terminal illness plus the possibility of not getting treatment or the care that I may need. I keep blaming myself for not asking enough questions. I must maintain a positive attitude for me and my kids. Once its all said and done I can really get down to the bottom of this.