Q&A: I am looking to get health insurance, and i cant seem to get a straight answer.. ?
Question by Denise L: I am looking to get health insurance, and i cant seem to get a straight answer.. ?
When i was younger i had a lazy eye, and when I was 8 I had surgery to fix it, But the surgery was not 100% corrective, my muscle remained turned and now i have a permanent lazy eye effect, my left eye points to the left..
However i am wanting to get the corrective surgery for it, they go back in and move the muscle straight, i have no other problems with my eye, i just want to fix it and be “normal” “straight”
Is this a pre existing condition? will blue cross and blue shield cover me?
what are my options?
Thank you in advanced!
Best answer:
Answer by Be More
Well, the problem you are going to run into isn’t really about pre-existing, it’s about cosmetic vs. functional. It’s not likely after this amount of time that correcting the positioning would actually correct any problems in depth perception (as the turned eye has likely atrophied in it’s visual acuity). But that’s something for you and your opthamologist to discuss.
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If you do not currently have health insurance then anything that is a health problem now will not be covered (at least immediately at the best case scenario) by a health insurance plan that you are about to apply for.
The reason why is that it’s kind of like someone who totals their car without any collision coverage on their auto insurance policy and then calls the insurance company after the accident and tries to add the collision coverage onto the policy and then expects the newly added collision coverage to cover the cost to replace the car.
The good news is that if you purchase a health insurance plan now then you should be covered in the future if any other health problems develop.