i have medical insurance but they say there is a preexisting clause on it. we got it in april and my husband went to an IOP program. i am bipolar and have been on charity care for the past year. it just resently ended. i want to go see a doctor with our health insurance but im scared that they wont cover it since i have seen a doctor within the last year. im not to sure what to do i call the insurnce company and it seems like they wont cover it. but the hospital said they also called them and they said they would. im not to sure what to do.