Health Insurance Dilemma?

-I have an appointment in two weeks to determine the possibility of melanoma and do not yet have health insurance. I had planned to have long-term health insurance in place a month ago, but it has not yet been processed. I want to keep my appointment and just pay for that out of pocket, but am concerned that if I do receive a diagnosis, I will not be able to get insurance after the fact. If I wait for my insurance to come through and wait until August for the next available appointment, can they drop my coverage anyway for only having it for 1-2 months prior to diagnosis? Also, I had a documented incident of Tachycardia two years ago that I was forced to go to the ER for and have been told that would likely rule me out for any short-term coverage options, despite the fact that it does not affect me daily and I do not take medication for it. Oh and I'm early 20s, if that matters. Thanks for any and all help--this insurance situation is stressing me more than the actual appointment!They cannot drop you merely because you are diagnosed with something after you get coverage. However, if you already have melanoma, then you will have to pay for everything related to the melanoma out of pocket out of pocket for the first 6-18 months. During that time, insurance only covers conditions that first begin while you have insurance, not conditions, even undiagnosed ones, that existed before you got insurance.
You should get the insurance first, then see the doctor.



I think tachycardia is a temporary infection, not a pre-existing ongoing condition.
If you already have the condition then it's a pre-existing condition by definition. Whether or not it's actually been diagnosed is not a factor.
A pre-existing condition is something you knew about or should have known about. The key is that you knew it, not if you have it. We are talking insurance here. A strict Webster's definition is not necessarily going to apply to insurance terms.

If you have applied and are waiting for the carrier to process the application, and this has come up since you applied. You could argue that it was not known at application. If that's true.

Also a few states do not allow Pre-x clauses. Check with a local insurance broker for advice.