Health Insurance Tampa Florida FL
Reader’s Question:
I am a graduating student from college and I am planning to get myself a health insurance card in Tampa Florida. What exactly is a pre-existing condition? What about Pre-authorization? Are they somewhat related in connection to my application?
Andrew
Tampa, FL
They’re not quite related Andrew.
But for your benefit, I will still define these health insurance jargons for your. You might have heard from others who are uninsurable by other life insurance companies because they have a medical condition that’s chronic. This is precisely what health insurance companies in Tampa FL refer to as ‘pre-existing condition’. This usually refers to an injury or illness which you received diagnosis, treatment, medical advice, or services from a doctor with 12 months from the date of your application or approval for a health insurance policy. It can also pertain to the signs or symptoms which you produced within the 12 month period before the effective date of your health insurance coverage.
On the other hand, a preauthorization with regards to a student health insurance policy is referring to an authorization service used to ensure that you will be receiving the most cost effective and proper care possible and available. Usually, what these health insurance companies do is they send out trained staff to work with you and your doctors to review the course of your treatment and give advice on your eligibility for benefits. This service can conveniently be availed by calling the toll-free number that’s usually printed on the health insurance card. This authorization process needs to be followed with full adherence to make sure that you as the policy holder receive maximum benefits.
You know, I am just giving you approximate definitions, and each health insurance company in Tampa FL might have a relative definition. To be certain and more specific, you can sit down and talk with your health insurance agent about these terms in details