repost: My insurance is changing and I'm terrified

monochromatic · Oct 20, 2013 at 05:28 PM

I've been working with my school system for two years. I have been on United Healthcare's plan, and both my pdoc and tdoc take my insurance. When I was hired, I was diagnosed with depression and anxiety.

I just got a notice that my school system is dropping United, and picking up Cigna. Neither of my doctors take Cigna. Also, I don't know if it's "official", but I'm now diagnosed bipolar 2, and not depression and anxiety.

Is there any chance of being denied health insurance because of the bipolar diagnosis?

I love both my doctors, but I'm going to have to give them up, right?

Can someone please talk me down? This is not what I need tonight.

monochromatic · Oct 20, 2013 at 05:30 PM

I originally posted this on the bipolar board and was redirected here.

~Christina · Oct 21, 2013 at 12:41 AM

Because its insurance from your employer you cant be turned down for existing health problems.

You can continue to see your current Pdoc and T but it would probably cost more considering its out of pocket.

Talk to your Pdoc and T about your situation ..

Good luck

happiedasiy · Oct 21, 2013 at 10:07 AM

First, you can talk to your doctors and see what insurances they do accept.

No you cant be denied because of preexisting conditions, depression &, anxiety
or bipolar.

And apply for Affordable healthcare.gov and you will see a list of what doctors Cigna accepts, check with current dr to see if they would recomend any of them.

The same site will show you which providers are under different plans.

You might find a plan that cost you less than what you are paying now and keep your doctors.

Try not getting overwhelmed

Happiedasiy

anneo59 · Oct 22, 2013 at 09:38 AM

agree with happiedaisiy and am in same position, so I can understand your concern. I am doing my best not to worry about it, as it will do me no good to do so. Easier said than done. But I just figure it will work out some how. I like the advice the others gave on this, thread, good stuff. I wish you the best with your situation!

Fresia · Oct 23, 2013 at 07:29 AM

As long as you do not let your coverage drop before the other starts, your cannot be subject to pre-existing condition clauses. As long as one picks up where the other let off, you are good thanks to HIPAA laws.

You can ask your providers if they would become a part of the network and if not, there are clauses in most policies for non-network providers. Contact your new insurance about this. You may have to pay out-of-pocket for the visit, then submit the claim to the insurance, and be reimbursed directly from them. Some insurances have a non-network, or non-Cigna provider in this case, clause for providers for coverage, some do not; it is worth looking into.

Perna · Oct 23, 2013 at 12:26 PM

Just because your doctors don't work with Cigna does not mean that you cannot (you do the paperwork and pay the doctors and the insurance pays you). I would consult your doctors' billing staff and your insurance representative to see how/if it is possible to do this.

There are so many insurance agencies and so much different paperwork involved that often doctors' offices decide to work with just a few of the companies who supply insurance to the majority of their patients; the human pay factor for doing the paperwork is one of the biggest costs in health care, not the actual health care costs themselves. The doctors' office can keep their costs down by only using 3-4 insurances rather than "all" that any patient has; instead of having to pay someone to do Cigna's paperwork, if there are only a few patients with Cigna, they just don't "work with" them.

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repost: My insurance is changing and I'm terrified

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monochromatic Member Member Since Oct 2013 Location: Maryland Posts: 195 11 13 hugs given	Oct 20, 2013 at 05:30 PM #2 I originally posted this on the bipolar board and was redirected here.
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~Christina Legendary Wise Elder Community Liaison Member Since Jul 2011 Location: Tennessee Posts: 22,450 (SuperPoster!) 13 12.7k hugs given	Oct 21, 2013 at 12:41 AM #3 Because its insurance from your employer you cant be turned down for existing health problems. You can continue to see your current Pdoc and T but it would probably cost more considering its out of pocket. Talk to your Pdoc and T about your situation .. Good luck __________________ Helping others gets me out of my own head ~
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anneo59 Grand Poohbah Member Since Sep 2012 Location: US Posts: 1,615 12 2,114 hugs given	Oct 22, 2013 at 09:38 AM #5 agree with happiedaisiy and am in same position, so I can understand your concern. I am doing my best not to worry about it, as it will do me no good to do so. Easier said than done. But I just figure it will work out some how. I like the advice the others gave on this, thread, good stuff. I wish you the best with your situation!
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