I have a permanent rider on my insurance
policy for anything to do with my breast
because I failed to check the appropriate
box concerning a diagnostic test 10 years
ago when I made my application. I was
diagnosed with breast cancer this past
January and as far as I understood my
insurance company was not supposed to pay
a dime towards this. As it turns out they
have been paying for everything except for
the initial consultation and a few lab
bills. I was told in the beginning that
this would not be a covered expense
because of the existing permanent rider
attached to my policy. I know that they
have made a mistake and in time will
probably realize it. In the meantime this
has caused me to not qualify for the
breast cancer program through Medicaid
because you can't have private health
insurance and Medicaid so I'm afraid to
say anything now for fear that no one will
pay for my mastectomy and breast
reconstruction. I am paying $567.00
monthly for my health insurance and I feel
that they have been unfair to do this to
me. I simply forgot about a diagnostic
test I had done 10 years ago and checked
the wrong box and they want to say that I
have misrepresented myself and they are
treating this as a pre-existing condition.
What am I supposed to do? If I tell them
and they want to recover the claims they
have paid to the hospital (I also had a
lumpectomy first) and then Medicaid
doesn't pay either because of the
Insurance involvement I'll be screwed. I
need to know if the Insurance Company can
go after their money from the hospital and
if they don't get it can they come after
me?
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Schizophreniahealth
This page was last updated on June 11, 2008
