Can someone please help me decipher the world of health insurance. I have some very specific questions and am hesitant to share with a broker/provider.
I have had several breast clinic referrals and a pelvic ultrasound in the last couple years due to what I thought was breast lumps, and to investigate abdominal discomfort. All tests came back normal. Presumably these do NOT then count as pre existing conditions? I spoke to a broker briefly who said its best to declare, but does this mean that as I’ve had previous pelvic ultrasounds, insurance wouldn’t cover any moving forward, even though nothing was wrong?
Same goes for mental health. I’ve a long standing history of anxiety and have had private therapy and self referred on the NHS for CBT. I have noticed some providers have add on’s for mental health, but does having a history make me ineligible ?
It’s an absolute minefield and it’s driving me nuts!