Is sleep apnea considered a pre-existing condition that is not covered by CareFirst BlueCross BlueShield?
19 Jun
I am considering switching insurance during open enrollment to CareFirst, from Kaiser. I have sleep apnea and am on a CPAP machine. Is this considered a pre-existing condition that would nto be covered, or can it be transferred to the new insurance as durable medical equipment?
I am waiting on an answer from CareFirst, but need to make a decision by next week.
The only time you should be penalized for a pre-existing condition is if their is a gap in your coverage. If there's a period in between switching ins where you do NOT have coverage then yes sleep apnea is a pre- existing diagnosis. Most of the time you will have to provide documentation to your new isns company that you have not had a gap in coverage.
You sould be okay to switch.
Loaded question. Yes, it's a pre-existing condition, but seeing as how you're switching from one employer group to another, the new carrier cannot exclude coverage for it.