健保的問題 - 舊金山

※ 引述《lilyj (Coffeeholic)》之銘言：
: 由於我英文不好加上保險的東西不太懂
: 有問題想請教大家
: 前因：老爸公司有健保，滿一年眷屬也有保險，兩人前陣子去做身體檢查
: 保險公司來了一封信
: we have received a claim for the services shown above.(做體檢的紀錄)Your 保險
: 公司名 benefit plam has a pre-existing condition provision. To process your
: claim quickly and accurately, we need additional information.
: Please note: Expenses for PRE-EXISTING CONDITIONS ARE NOT COVERED, except as
: outlined in your plan, adjusted for any prior creditable coverage information
: you provided. You can send additional creditable coverage information to the
: address above.
: 請問…這是什麼意思阿…尤其是大寫那行字…我不太懂為什麼要特別強調
: 麻煩大家嚕…感恩
Preexisting condition provision" means a policy provision that excludes coverage
for charges or expenses incurred during a specified period following the insure
d's effective date of coverage, as to a condition for which medical advice, diag
nosis, care, or treatment was recommended or received during a specified period
immediately preceding the effective date of coverage
意思就是說，原本就有的疾病，不能馬上使用這個保險在給付
除非你能證明你本來也有保險 "creditable coverage"
很多個人保險都有waiting period，例如前半年不能看舊病
除非原本也有保險，只是轉換公司而已

比較奇怪的是，體驗通常成本低，不是真的治病，通常不會被排除才對
難道你體驗的時候檢查出什麼疾病，或是一併做了什麼醫療?

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