Do I need to lie about when a dental issue occurred? Is it considered a pre-existing condition?
Insurer: BlueCross BlueShield PPO Individual Plan through workplace, hesitant to be more specific but can be if need to
I have an issue with a filling that falls out every few years – have had 4 dentists replace it at this point (due to being on 4 different insurances) and they all told me it wasn’t an issue with my filling or dental hygiene, but that the last dentist didn’t do a good job.
In June, this filling fell out again while I was flossing. I did not have dental insurance at the time (couldn’t afford it, job didn’t offer good plans), and there was no pain or discomfort – but I planned to enroll in dental insurance next period to fix it.
As of September 1st, am officially enrolled in new plan with okay dental coverage. Tomorrow I will be going to an in-network dentist to fix the filling.
There is still no pain or really any other symptom (not even sure if the entire filling came off or just part). But since it has been months, I am worried that the fix will require more than a minor procedure (e.g. new filling or crown), and will require a major procedure (aka anything I cannot afford out of pocket if my claim is denied).
Question 1: Is the date of the dental issue June (when it most recently fell out) or is the issue dated back to the last time I had the filling replaced (under another plan and dentist)?
Question 2: If it is the former, do I need to lie about when the filling fell out so it falls under a time period when I was insured?
Question 3: If my current insurance refuses to cover a procedure because the filling has fallen out over the years and is therefore pre-existing, is it possible to get the most recent dentist who replaced the filling to fix it for free? Even if they did the procedure under different insurance & are out of network for me now?
TL;DR Should I lie about most recent date of filling falling out so it falls under current coverage? If current coverage denies claim as it is a recurring problem, can I ask a previous dentist/insurer to cover the treatment?
