Question:
How long have all these approvals had the ins?

I am a business owner and am buying ins for my group. I am interested in the surgery but am wondering if they will deem pre-existing since the group plan is new. Does any one have a similar situation? Has anyone signed on for the UHC ins and gone for surgery within a short period?    — loretta C. (posted on October 24, 2004)

October 24, 2004
If you have been covered by a group plan for the last 18 months, pre existing would not apply to you. See the Hipaa laws for that situation. Also, my policy started with UHC on March 1's....My initial appointment with my surgeon was March 2nd. No one questioned anything, they really can't. :) best of luck to you. Rebecca
   — RebeccaP

October 25, 2004
Loretta c. the previous answer you received is correct, though in my state pre-existing was for a shorter period of time - it seems that as long as you had medical coverage prior you're safe. However, please be careful with UHC - they have a lot of policies of which some have a steadfast exclusion for this type of surgery and you won't be able to change it until the next "Open" session for UHC. Read your policy throughly prior to buying and do not rely on UHC Service Reps to assist you - also ask a million questions, but speak to someone who is a supervisor and if necessary get it in writing. Best of luck to you.
   — Anna M.

October 26, 2004
Loretta, Ann is right on the money when she is telling you to deal only with the supervisors. Don't even waste your time talking to their reps. They havent a clue of whats going on and it seems they can't even see whats going on with your case. I'm thinking they don't have acess to our files. Only the supervisors can answer your most pertenant questions. Like Ann mentioned ask a million questions. It seems to confuse the reps but whrn they can't tell you directly always ask for a supervisor. Trust me on this. I'm only coming from experience of calling them almost everyday for 2 months. I had only had United Health Care for a month 1 month before submitting my claim and only 2 months when they approved the surgery. I had BC/BS for one year before I had United Health Care. I wish you the best of luck. Take care Jen :)
   — imgabbie