We are currently in the process of getting legal and physical custody of a 14-year-old girl. Once we are granted full custody (most likely within the next 3 months) she will be covered under our health insurance plan, which offers compressive coverage, and in the meantime we are paying out-of-pocket for a plan that offers limited urgent care visits.
I have just discovered a highly concerning patch on her skin that looks like it could be skin cancer. Obviously I want it looked at by a dermatologist immediately, but I'm not sure how this would work with our insurance situation. Assuming the catastrophic coverage would help at all to begin with, I am concerned that if she is diagnosed now and then switches to our employer-provided health insurance plan a few months down the line that it might then be considered a "pre-existing condition" and she could be denied for further treatment/coverage? I would love some advice as to how to proceed in this situation.
You aren't a dermatologist, and would have no training identifying skin cancer especially not melanoma
I don't think anyone would be able to answer this question accurately without seeing the health insurance policy. I think the majority of policies now cover pre-existing conditions, but there are exceptions.
You mentioned that it is an employer-provided policy. Many employers have someone in HR who can answer questions like yours about what is or is not covered. That would be a good place to start. You also could ask for a copy of the policy. Once you have it, you could retain an attorney to help you understand it.
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