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Ask Our Specialists
My mother is 66 years old and has had hernia operation 4 months ago and has recovered since.She is planning to come to USA and stay for 3 months. If she gets any pain, would treatment for the pain be considered pre existing condition? If so, will insurance cover it?
If the pain were related to the previous hernia or operation it would be looked at as a pre-existing condition. Anything known or unknown that were contracted in the body prior to the effective date would be known as a pre-existing condition. Coverage would be determined at the time of service based on the attending physician notes and lab report, as per the certificate wording of the plan. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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