Here's the situation: I changed health insurance plans about two years ago ago. I have a good plan, based in Californa, that costs me about $250 a month. Since starting the coverage, my major medical expense - for about a year - have three monthly medications which I take for recently-diagnosed bipolar disorder. I have never claimed these expenses on my insurance, nor have I ever put any of my psychiatric costs on a claim. The reason is that I've been advised not to do this, especially with a bipolar diagnosis, since, in the words of my psychiatrist, "once that's on your record, you'll have a very hard time if you need to change insurance plans." (I should add that the diagnosis, while scary, and the resulting treatment, has changed my life so much for the better that I'd sell pretty much sell a kidney to keep paying for the meds, if I had to.) [more inside]
Should I try to bill my asthma medicationto my insurance company, or will they fire me for a prexisting condition?...
Hi. I recently (about six months ago) switched health insurance providers. I filled out the application form honestly, except for one thing: I forgot to note that I'd received a prescription two years ago for an albuterol inhaler (which is an inexpensive inhaler used to relieve asthma attacks while they're occuring.) [more inside]
I currently have an excellent health insurance plan - however, it does not cover a medication my doctor would like to prescribe. It is available on my spouse's plan, however. I don't want to change insurers because my doctor only accepts my exisiting company, and I want to keep her. However, I can get onto my spouse's policy for quite a bit less than the monthly cost of the medication. Is this legal? Ethical? Are there any pitfalls? Would one insurance company be able to share information about my medical history with another? Would there be trouble for me if I became seriously ill? Thanks!