Zenman - pre-existing conditions have to be proven from a doctor's diagnosis. The insurance company will initially deny all of your claims for 'pre-existing condition'. This tells the dr's office or hospital to do a search of all diagnoses that they have to see if there is a diagnosis code matching what they are denying. The thing that people don't realize is that it has to be the EXACT code - or the insurance has to pay for it. The hospital or doctor's office will send the insurance company a copy of all diagnosis codes within the last year proving that this code was not in the mix - and the insurance will paid.zenman72 wrote:Brief background: I have been on cpap (apap) for about 3-4 years. I learned of my apneas from a gf whose father had a cpap. I snored very loudly and woke up alot, and was tired all day. I had no medical insurance but was able to get a resmed APAP black market and through experiment set it for min 12. I sleep alot better. But I still have some tiredness during the day and alot of memory/concentration issues. Not sure is I need adjusting of the settings or if I need something else.
Advice needed: I recently got medical insurance. It does not cover pre-existing conditions. Do I tell the doctor the background story and that I have been on APAP for several years and that it has helped but not enough, or do I just tell him I'm having sleep issues?
So, if you have never been DIAGNOSED with apnea, you do not have a pre-existing condition.
Do not go in telling them that you HAVE apnea - as your spoken history can be used as a testament to this and it will slow payment down. They will have to do more research - and could possibly deny on this. Just tell the doc you wake up at night having trying to catch your breath and that your past gf told you you snore. Let the doc do all the diagnosing.
If this is a past diagnosis from a doctor - if you have not been seen within the last six months for this issue, then it will not be considered per-existing. (It looks like you haven't been under a doc's care for at least the last two or three years?)
(Just a note: I did this for a living for twenty plus years.)