Hey everybody,
Technically, I already had my surgery, but I am dealing with the insurance claims after the fact. I honestly didn't realize that Aetna (or any insurance carrier) had a waiting period for pre-existing conditions until now, unfortunately. I'm 19 years old and was not very well-versed in the ways of health insurance...
According the Aetna and HIPAA, if I was continuously insured before enrolling in Aetna, the pre-existing condition exclusion would be reduced or eliminated. I had Medicaid until January of this year, which was when I enrolled in Aetna instead.
Some of the claims for my surgery are stating that Aetna needs further evidence to see if a pre-existing condition exists. They have also previously requested a certificate of credible coverage from my previous insurance provider. I'm not quite sure how to obtain a certificate.
Anyway, would a malocclusion be a pre-existing condition? Any advice or suggestions would be helpful, I'm freaking out right now and I can't even call people to get some help.
Thanks!
