thread: when PHI isn't 1 year yet and you need to be hospitalised

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  1. #1
    Registered User
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    Jan 2005
    cowtown
    8,276

    Is it for a pre existing condition or somehting thats just happened - there may be a difference in whether you will be covered and for how much.

  2. #2
    Registered User

    Dec 2006
    In the Angelic Realm
    1,675

    that is what i don't get.

    It is a condition that i have had since birth but never had it diagnosed or seen a dr about until now as i didn't know it was a "condition" and thought it was just me.

    It is got to do with my narcolepsy and excessive day sleepiness. I just thought i liked sleeping a lot, until my ENT specialist told me that there was such a condition.

    I just diagnosed with it this year. So is this pre-existing, even though it was diagnosed this year, yet i've had it all my life?

  3. #3
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    Jan 2005
    cowtown
    8,276

    probably.
    The rule they tend to use is could a doctor have picked it up in the preceding 6 months if they had checked for it.
    My firned had her endo diagnosed in the year she got her PHI, and this was after 8 years of being told it couldnt be endo and she didnt have the right sympotoms. He OBGYN wrote her PHI a letter stating it would have been near impossible for anyone to correctly diagnose becuase of the way her symptoms presented, and they still ruled it preexisting - she had to wait 4 months for her 12 months period to be up.

  4. #4
    Registered User

    Jan 2009
    A Pirate Ship
    3,627

    I'd ask the health fund. My dh had a nose operation before the 12 month period and it is technically something he was born with. Something about the airways restricting airflow through the nose???... I don't know the full details but he ended up with a full rhynoplasty (nose job) in the private hospital with a specialist surgeon. I guess there are heaps of things which are technically preexisting but if not actaully diagnosed than I'd say they are new, I mean lots of things start becoming a problem way before you actually notice it is a problem and get it seen to if that makes sense?

  5. #5
    Registered User

    Mar 2006
    7,046

    some health funds also pay if it is a priority issue as well. But it all depends on the health fund. give them a call TD. Who are you with?

  6. #6
    Registered User

    Dec 2006
    In the Angelic Realm
    1,675

    I'm with NIB. It is oh so confusing. I'll have to call them tomorrow and just ask. I know its not long til July August but i just want answers to something i've been battling all my life without knowing that there was treatment for it and that it was even a condition