Pre Existing Condition:?

[modskalila]

My husband had surgery for bladder cancer last November. We were 30 day from the 12 months of coverage when they discovered it.

Though we had insurance with the same insurance company with the prior job, there was a 90 day break between jobs and coverage.

Due to the 30 days over on the non coverage, they wouldn't accept the past coverage, and since we were 30 days within the 12 months of coverage, they are refusing to pay stating the 'pre existing condition' clause. They say that is the way it is with any cancer.

Even the doctor told my husband that he was very lucky. That his case was unusual as the cancer usually doesn't present itself in this manner until it has reached the latter stages, but in my husbands case it was well within the beginning. He told us that it was completely NON intrusive, that it was so early it hadn't even gone through the lining yet and therefore was completely cureable by a simply procedure to scoop it out and be done with it.

There were NO symptoms within the first 6 months of coverage. Only minor, negligable symptoms within 3 months of diagnosis (i.e. slight tinge of pink in the urine that would happen maybe once a month.) What sent him in was when his urine was nearly all blood.

How can they say it was pre existing, if even the doctor states that it couldn't have been there that long? And how do we get them to cover the surgery and other expenses we paid for?

Thank you,

Kali Kale

[ecmst12]

What EXACTLY does the clause state about cancer? Because "pre existing condition" means something that was diagnosed BEFORE your policy took effect, not 11 months AFTER.