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Insurance said Back Pain was preexisting condition

A year ago my insurance denied an MRI of my back. This past year my husband turned 65 and went on Medicare, forcing me to redo my policy.
I started having new symptoms with my back that I couldn't ignore. My doctor requested an MRI once again. My insurance denied again saying this was a preexisting condition! I asked, what is my CONDITION? They said, back pain. I argued back pain was not a condition, it is a symptom of an undiagnosed condition. I explained a year ago they denied because I didn't show enough through doctor visits that I needed an MRI. Prior to that request I had been to the ER and my doctor numerous times.
In the end they agreed to the MRI. The kicker is I have a $5000 deductible. They were not paying a penny anyway. But without approval I would not get the agreed upon insurance rate I would get the rate of someone walking in w/o insurance and that was $1000 more! Insurance is such a racket.
Take Care.


  • sometimes, the hoops we have to jump through are a bit ridiculous. If you had the same insurance before, but only changed the number of people on the policy, I am not sure why they could try to claim pre-existing........I might look into that a bit more if I were you.
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