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pre-existing condition... definition?

 
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Lori
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Joined: 06 Aug 2006
Posts: 135
Location: Virginia

PostPosted: Thu Aug 24, 2006 9:13 pm    Post subject: pre-existing condition... definition? Reply with quote

Okay, so little old uninsured me needs to have my wrist looked at. And I figured it'd be a good idea to get some kind of insurance anyways. So I started looking around on the net, but one thing I keep running into is that "pre-existing" conditions wont be coverd. Yet I cant find a concise definition of what is considered a pre-consisting condition. I'm afraid that since my wrist is something that has gotten worse over the last two years and not injury related, that it wont be covered. Any ideas? Brick wall

Lori

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Torile
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Joined: 02 Aug 2006
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PostPosted: Thu Aug 24, 2006 10:03 pm    Post subject: Reply with quote

Have you been treated for the wrist problem before?
If so, it probably is considered pre-existing, however, most companies usually have a time limit on the condition.
Cancer, for instance, has a 5 year limit before any insurance carrier will touch you.
I'd guess the time limits are substantially shorter for less serious problems but I would ask and get the response in writing before I gave any money for insurance.
Insurance salespeople are known to give accidental mis-information ( lie ) just to write the policy. It's your word against theirs when the bill comes.

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Lori
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PostPosted: Thu Aug 24, 2006 11:02 pm    Post subject: Reply with quote

yeah, that's a good idea to get it in writing. i guess my next step is trying to find an insurance policy.

I did see a doctor for my wrist a couple years ago. At that point it was just because it would hurt really bad occasionally for no reason. I was told that I was probably sleeping on it wrong, and was given a brace to wear when it hurt. Do you think that would count as previous treatment?

Now I've lost a lot of motion in my wrist (in comparision to my left hand, about 45 bending back, and 30 forward...), and the pain is getting worse and more consistent

It's kinda a catch 22 situation. If it's easily treatable I'd rather just pay straight up for it. But if treatment is going to be more complicated-costly id need insurance to pay. Of course i cant know without going to see a doctor, but if i do that then it'd become a pre-consisting condition. ugh. And no matter how much searching i do online i cant find any conditions that seem consistent with my symptoms. d'oh!

Lori

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Carole B
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Joined: 27 Jun 2006
Posts: 1973
Location: Valtellina - Northern Italy

PostPosted: Fri Aug 25, 2006 5:38 pm    Post subject: Reply with quote

Hi Lori - you used a 'laptop' for sometime didn't you.... So did I. Then I changed to my full size PC, but the damage had been done (I think) to my wrist and base of my thumb (left hand only).

My doctor insists that it is arthritis - but I have seen countless people who use pc's/VDU's etc., for a long period of time, develop 'RSI' - repetetive stress injury - aka 'tenosynovitis'. And it was all down to the way you place/rest your hands when using a pc.... A laptop is worse because the keyboard is less 'moveable' than a freestanding large pc keyboard.

Do a bit of browsing on RSI and see what you think!

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Lori
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PostPosted: Mon Aug 28, 2006 5:37 pm    Post subject: Reply with quote

Thanks for the idea Carole,

I did look into it, yet it's the same symptoms tripping me up as always. I have no pain in my thumb or thumb joint (although i know they're all connected, so that still may be a cause) it's really the two tendons coming down from my middle and index finger that cause the pain. In addition there isnt really any swelling or redness - well, there might be a little, but if so it's so little that i cant tell if its actually there or my eyes playing tricks on me.

I have no doubt that the computer is partly to blame for this - i mean ive used a computer almost everyday of my life since i was about 9... that's 14 years. bound to do some damage after that long :D Of course i cant help but thinking a fall a few years ago contriibuted as well - although it may be coincidential, i had no pain before it. Me and the doctor both thought my arm was broken, as i had a huge lump on it, extreme pain, and wasnt able to move my fingures. Xray came back clean though so i was just given the sling and told to ice it.

I think i just need to bite the bullet and go see a doctor to figure out what is wrong and what i have to do. obviously wearing my brace isnt helping anymore. I'm just always suspicious of doctors (and dentists) and like to go to ones i know and trust. In this case that would be my friend's dad. only problem is he's in oregon, im here, and im no longer a student at Oregon State (where he works) so I cant officially see him.

I hate technicalities Sad

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marisa6
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Joined: 30 Jun 2006
Posts: 437
Location: Scotland

PostPosted: Mon Aug 28, 2006 8:02 pm    Post subject: Reply with quote

Hi Lori

When I was a bit younger than you I had a 'ganglion' on my wrist. It was described to me as being like a large fluid-filled blister protecting an injury on a joint. I got it after falling awkwardly on my arm. You can get them on your fingers too. They restrict movement and can be quite painful. Hopefully its something as simple as that - but better get it checked out though Very Happy

Marisa
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