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<blockquote data-quote="GoingNorth" data-source="post: 4347" data-attributes="member: 1963"><p>I just took a job that includes good health benefits. (HMO)</p><p></p><p>I have been off COBRA due to a rate hike that left me unable to pay the premiums. I am beyond my sixty day gap in coverage.</p><p></p><p>I have 'a knee' that needs either yet another 'clean up' surgery or replacement. It will need replacement eventually one way or the other.</p><p></p><p>My question is this: It is obviously a pre-existing condition (the problem dates back to a severe injury and subsequent surgeries starting in '79)</p><p></p><p>WI law is vague on pre-existing conditions. What exactly defines a pre-existing condition? I have a twelve month waiting period (not a problem unless a very worn out tendon or ligament graft decides to blow out) on those conditions. My concern is that I could put a foot wrong or stumble or something and totally wreck what's left of my knee...would it be covered?</p><p></p><p>I have not had an official Dr's visit or tx for my knee in the past year, but am on, and have refilled, prescriptions for medications for arthritis directly related to that knee. Does that qualify as 'being under care'?</p><p></p><p>Does my seeing a doctor up here for something utterly unrelated and on the forms mentioning that I have arthritis qualify as 'being under care'?</p><p></p><p>TIA</p><p>toK</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 4347, member: 1963"] I just took a job that includes good health benefits. (HMO) I have been off COBRA due to a rate hike that left me unable to pay the premiums. I am beyond my sixty day gap in coverage. I have 'a knee' that needs either yet another 'clean up' surgery or replacement. It will need replacement eventually one way or the other. My question is this: It is obviously a pre-existing condition (the problem dates back to a severe injury and subsequent surgeries starting in '79) WI law is vague on pre-existing conditions. What exactly defines a pre-existing condition? I have a twelve month waiting period (not a problem unless a very worn out tendon or ligament graft decides to blow out) on those conditions. My concern is that I could put a foot wrong or stumble or something and totally wreck what's left of my knee...would it be covered? I have not had an official Dr's visit or tx for my knee in the past year, but am on, and have refilled, prescriptions for medications for arthritis directly related to that knee. Does that qualify as 'being under care'? Does my seeing a doctor up here for something utterly unrelated and on the forms mentioning that I have arthritis qualify as 'being under care'? TIA toK [/QUOTE]
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