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Thread: medical insurrance

  1. #1
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    Default medical insurrance

    has anyone that has had breast implants put in or removed had their insurance provider drop them? I heard that some do if they know you have had the procedure because you are concidered high risk. Is this true?

  2. #2
    God/dess Gynger's Avatar
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    Default Re:medical insurrance

    Flame:

    I used to be a claims examiner for a medical insurance company. No. The only thing that puts you at high risk is if you have had a B.A. due to breast cancer. The B.A. doesn't put you at risk, the breast cancer does.

    To my knowledge, no one is dropped from coverage once they obtain it. If you lose coverage and have a 63 day lapse of coverage, then you fall into the "pre-exisisting condition" clause. But companies do not drop you as long as you pay your premiums once you have obtained the coverage.

    When you fill out an EOI form (evidence of insurability) there are a series of questions that you have to answer, sometimes, there is a question that is phrased like, "Have you in the last five years been hospitalized or had any surgery?" if you answer yes, then at the bottom of the form it says, "If you have answered yes to any of the above, please provide dates of service, and procedures, diagnosis and medical doctor".

    What this does is when you are rated for risk category they do what is called a "medical history" check, to verify the information you've given. If you have been diagnosed with a high risk illness you are placed in a higher risk pool meaning you pay more of a premium.

    I should also add that a B.A. is considered elective cosmetic surgery unless medically necessary (ie: masectomy), if something goes wrong with your implants and they need to be removed, then you are 100% responsible for the procedures cost, just like you were when you had them placed inside your body. If you develop an infection due to the implants, you would also be responsible for that course of treatment because your infection was due to an elective surgery that would not be covered by medical insurance.

    Hope that this makes sense and helps you.

    Feel free to PM me if you have any other questions.


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  3. #3
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    Default Re:medical insurrance

    Well I was denied before for high risk because of being a dancer.I wouldnt doubt that might be happenening , since dow had to pay out over 3 billion dollars to implant patients who got ill from their implants, that would give the insurance companies an excuse for denial.

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