Your health insurance claim denied? If you have had continuous coverage, without a period in the past 18 months with in which you have not had insurance, Blue Cross should not deny your claim due to the pre-existing medical condition. Perhaps they are not aware of your previous coverage. This can often happen when you change insurance carriers. If you do not provide them with proof of prior coverage, they will not know about it. If you have had a lapse in coverage, they can only deny the claim for the specific time in which you had this lapse. For instance, if you were without insurance for 4 months, Blue Cross can't deny your claim after you have been insured with them for 4 months. From the dates that you provided, it sounds like you have been on the Blue Cross plan for 24 months. So, you should not be having this problem. - Friday, January 22, 2010 @ 12:23 pm

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