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Health Insurance questions

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Didn't know where to put this but I have some questions regarding a PPO health insurance (US)

1.) Is acne considered a pre-existing condition of the bigger companies (i.e. Aetna, BlueShield)?

2.) When I sign-up, on average, how long before my coverage starts (I'm not looking for specifics but is it days, weeks, months)?

3.) Do I have to meet the annual deductible before the insurance starts to copay for office visits and prescription drugs?

4.) Is a dermatologist usually considered a specialist?

I know the answers will vary with different insurances, but any help would be much appreciated

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1.) Is acne considered a pre-existing condition of the bigger companies (i.e. Aetna, BlueShield)?

I don't believe so, if by "pre-existing condition" you mean something that may make your premiums go up because of treatment needs. Acne is generally considered cosmetic, therefore, voluntary to treat.

2.) When I sign-up, on average, how long before my coverage starts (I'm not looking for specifics but is it days, weeks, months)?

I do not know, ask your HR director/administrator.

3.) Do I have to meet the annual deductible before the insurance starts to copay for office visits and prescription drugs?

If you have a deductible, yes. It is out of pocket until your deductible is met. This is how deductibles work. And then after your deductible is met, there's usually an annual limit to how much the insurance co. will pay.

4.) Is a dermatologist usually considered a specialist?

Yes. But many general practicioners can prescribe you acne products as well. My GP does all my prescriptions, after I went to a dermatologist for a year and figured out what works for me. Talk to your doctor, and decide what's best.

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1.) Is acne considered a pre-existing condition of the bigger companies (i.e. Aetna, BlueShield)?

I don't think so, I had both Aetna and BlueShield for a while and they didn't give me any problems.

2.) When I sign-up, on average, how long before my coverage starts (I'm not looking for specifics but is it days, weeks, months)?

I'd assume pretty soon, probably a few weeks to a month at most. I just signed up for BlueCross BlueShield and it took about three weeks for my coverage to start.

3.) Do I have to meet the annual deductible before the insurance starts to copay for office visits and prescription drugs?

Depends on your plan.

4.) Is a dermatologist usually considered a specialist?

Yes. You will most likely have a higher copay to see a dermatologist.

These are just answered based on my own experience,

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