Is it safe to use my current medical benefits while applying for individual health insurance?
January 10, 2012 7:48 PM Subscribe
I'm in the middle of applying for individual health coverage in California and haven't been approved or rejected yet. Is it safe to use my current medical benefits, and get diagnosed, while applying for individual health insurance, or will they reject me?
posted by elif to health & fitness (2 answers total)
Please help me navigate the world of independent medical insurance in California.
I recently quit my job and am working as a freelancer, and my old job's (great) medical benefits extend to, and end on, February 29th. This is my first time applying for independent medical insurance. I applied at ehealthinsurance (Aetna policy) and it said they'd contact me about approval in a few days.
While my old job's benefits are still active, I want to see a psychiatrist for ADD. Those benefits cover unlimited mental health visits, but in order for insurance to work, I must be diagnosed with something. So I will have that on my medical record. I visited a psychologist in the last 2 years, and though I'm not sure what he diagnosed me with, I have that on my record as well.
Let's say that Aetna approves me in the next few days. If I see a psychiatrist a week from now (and he diagnoses me with something and/or prescribes me meds), will Aetna withdraw my policy? Is going to see the psych now a bad move on my part?