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If I get married before my fiance is diagnosed with Chrons disease will my insurance still cover her?
I am getting married in April and we just found out that my fiance might have chrons disease. We are affraid that if we wait to get married until April and she is diagnosed before then, we might not be able to add her to my insurance. Does anyone know what the laws are on this? Please HELP!
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#2 written by surojabu 2 years ago
Insurances usually do not cover “preexisting conditions.” However, those conditions must have been diagnosed or at least considered by a doctor (for future testing) before they can be considered preexisting. IF there is no paperwork anywhere on your fiancee regarding her illness or if it has not be definitively diagnosed, your insurance should accept the “after marriage” diagnosis and not consider it a preexisting condition.
I hope that you will find it is not Crohns’ disease and that your fiancee will be okay.
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Its not a matter of law as much as a matter of your particualr policy. All policies explain how preexisting conditions are covered. Most policies simply exclude coverage of preexisting conditions for a certain period – 6 months is very common, and then after that, the condition is covered like any other. Check your policy or talk to your insurance agent. Maybe it would be a good time to switch providers if your policy doesn’t accommodate preexisting conditions.