A friend of mine has fibromyalgia.  She has had it for quite a few years.  When she was first diagnosed there really wasn’t much information about the condition.  Medical Insurance companies did not decline Medical Insurance coverage for people with fibromyalgia because there wasn’t any treatment.  There is no cure.  Since those days, medications have been developed for fibromyalgia.  One of them is Lyrica.  I did some pricing of Lyrica on the internet and it looks to run about $100 a month without Medical Insurance.  That’s just an average price.  However, in a sort of cruel twist of fate now that there are medications for fibromyalgia Medical Insurance carriers will deny coverage for people diagnosed with fibromyalgia.

If you have been diagnosed with fibromyalgia there is some testing to be done.  Group Medical Insurance plans are fairly straight forward and usually pretty easy to understand as to benefits.  Individual Medical Insurance might be a little trickier.  For instance, an individual Medical Insurance plan can deny coverage for any condition that you acquire within the first two years of coverage.  The basis for denying coverage in the first two years is to make sure that you didn’t buy Medical Insurance coverage with a pretty good idea that something was wrong even though there are no medical records to support any illness or condition you may be trying to get the Medical Insurance carrier to pay for.

All Medical Insurance plans issued after September 23, 2010 are required to give every client a free physical once a year.  If you have had continuous coverage all along without any gaps in Medical Insurance you will probably be good with the pre-existing clause, especially if you have been having yearly physicals.  If you have not had Medical Insurance for a few years and no records of seeing a doctor or of having yearly physicals, you may have a problem getting a Medical Insurance carrier to pay for any conditions or diseases you develop during the first two years of coverage.

This is how medicinenet.com describes fibromyalgia: “fibromyalgia is a chronic condition  that causes pain, stiffness, and tenderness of the muscles, tendons, and joints.  Fibromyalgia is also characterized by restless sleep, awakening feeling tired, chronic fatigue, anxiety, depression, and disturbances in bowel function.  Fibromyalgia is sometimes referred to as fibromyalgia syndrome and abbreviated FMS.  Fibromyalgia was formerly known as fibrositis.”

As long as you have purchased your Medical Insurance before you receive a diagnosis of fibromyalgia and you have been continually insured, a Medical Insurance policy will help you to financially pay for treatment.

Medical Insurance

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