My question involves insurance law for the state of: Florida.
Hi, my mother who is 58 years old has commercial health insurance coverage with Aetna. Four months after her coverage starts (she does not have health coverage before), she was diagnosed with Hepatitis B that requires her to have periodic blood work and doctor visits. Now the preexisting condition clause of Aetna involves a 6 month period- so everytime she did her blood work and scheduled visit her doctor has to fill out the form that states that it is not a preexisting condition (this is all for the same diagnosis code).
She just got her blood work done again, but this time it is already more than one year since her coverage starts with Aetna. They require the preexisting condition form again. I called and they told me they will require it every time. From what I understand wouldn't preexisting condition become inapplicable after one full year of insurance coverage, regardless of what the policy is (and it only states 6 months)? I mean if we have to do it, we will but it is a huge hassle.
Please help me shed some light on this matter. Thank you very much for your time!