Being declined for pre existing condition
I was insured on 4/1/04 by BCBS. My husband got great insurance and we picked his up through Principal on 6/1/04. Husband got laid off and lost insurance as on 9/30/04 but I picked up ins again through BCBS on 10/1/04. I have had 6 months of continuous coverage, but they are declining me based on pre existing condition. The only medical care I received regarding any obesity WLS related things has been in 6/04 to present. Before 4/04 I didnt see a doctor since 6/03. Principal approved me for surgery as medically necessary but we lost coverage too fast to schedule surgery. Talk about winning the lotto but collecting too late. BCBS is telling me I have to wait until 4/05 to be covered. They are also telling me that my plan most likely wont cover WLS as of 2005. What should I do? Doesnt HIPPA prohibit this?
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