양압기 처방받으면 보험가입에 지장이 있나요

서울수면센터

17 Aug 202302:54

Summary

TLDRThe transcript discusses concerns about health insurance rejection due to a history of sleep apnea and its treatment. The speaker mentions undergoing a sleep study and awaiting results. They emphasize the importance of sharing medical test results with insurance companies for accurate assessment and coverage. The dialogue suggests that if the sleep apnea is severe enough to require treatment, it could impact insurance eligibility. The speaker also highlights the need for transparency and logical reasoning when dealing with insurance companies regarding health conditions and treatment history.

Takeaways

🤔 The individual is considering health insurance but is concerned about potential rejection due to pre-existing conditions.
🏥 They have no family history of cardiovascular or neurological diseases and are currently healthy, yet worry about insurance restrictions.
😴 The person has severe snoring and has visited the ear, nose, and throat department for a sleep study, but the results are not yet available.
🔍 If the sleep study shows significant apnea or issues with the tongue base, it might qualify them as a treatment candidate.
💤 Having undergone a sleep study is important, as it is automatically known to the insurance company through the assessment process.
📑 If the sleep study indicates a problem, the insurance company may request the results, anticipating issues with sleep.
💡 It's suggested that providing the sleep study results along with a clear explanation can help in gaining insurance approval.
🏥 The person is advised to acknowledge the sleep study and any identified conditions to improve the chances of insurance acceptance.
💊 The individual is concerned that if the sleep study results show high apnea-hypopnea index, it might lead to cardiovascular or neurological issues.
📉 There has been a decrease in adventurous activities in the past, which might be related to health concerns.
👨‍⚕️ The person has consulted a neurologist and is thankful for the advice received.

Q & A

What is the concern regarding insurance enrollment after receiving a prescription?
-The concern is that insurance enrollment might be rejected if one has a prescription for medication, especially if there are no pre-existing conditions like cardiovascular or internal diseases.
What is the current status of the individual's insurance enrollment?
-The individual is planning to enroll in insurance but is worried about potential restrictions despite having no family history or underlying conditions.
What medical procedure has the individual undergone recently?
-The individual has undergone a sleep endoscopy due to severe snoring and is currently awaiting the results.
What is the significance of the sleep endoscopy results for insurance enrollment?
-The results of the sleep endoscopy are important as they can indicate the presence of sleep apnea, which might affect insurance eligibility if the apnea index is high.
How does the individual's medical history with sleep issues relate to insurance enrollment?
-If the individual has a history of sleep issues, insurance companies might anticipate potential sleep-related problems and request the results of the sleep endoscopy.
What is the recommended approach if the individual's sleep endoscopy results indicate a problem?
-It is advised to provide the results along with a clear and logical explanation of the condition and any treatments received, similar to providing a clean bill of health after treating a disease.
What is the implication of having a high apnea index on insurance eligibility?
-A high apnea index could lead to a diagnosis of cardiovascular or cerebrovascular disease, which might affect the individual's ability to get insurance without complications.
What is the individual's strategy for addressing potential insurance issues due to medical conditions?
-The individual plans to acknowledge the medical condition, provide the results of the sleep endoscopy, and request consideration for the treatment's effectiveness and the absence of significant issues.
What is the individual's current medical treatment plan for their sleep condition?
-The individual is undergoing treatment for their sleep condition, which may involve the use of a CPAP machine, and is seeking insurance coverage for the ongoing treatment.
What advice did the neurologist provide regarding insurance enrollment and treatment?
-The neurologist advised the individual to be transparent about the medical condition and the results of the sleep endoscopy, and to consider the treatment's effectiveness when discussing insurance enrollment.

Outlines

00:00

🤔 Concerns about Health Insurance Denial and Sleep Apnea Diagnosis

The speaker expresses concerns about potential denial of health insurance due to a pre-existing condition. They are considering insurance enrollment despite having no family history or underlying conditions that would typically lead to rejection. They mention undergoing a sleep study after experiencing severe snoring and are awaiting the results. The speaker suggests that if the results indicate sleep apnea, it might be anticipated during the insurance application process, potentially leading to a request for different results. They emphasize the importance of providing the insurance company with the sleep study results and any subsequent treatment plans to ensure a smooth and logical process. The speaker uses an analogy of curing a disease (like cancer) and then needing to prove its absence with documentation to support their case for insurance. They also discuss the possibility of insurance denial if the sleep study results indicate a high level of apnea, which could be linked to cardiovascular or cerebrovascular issues. The speaker concludes by asking for consideration from the insurance company regarding their medical history and the potential need for ongoing treatment.

Mindmap

Keywords

💡Insurance

Insurance refers to the financial coverage that protects individuals from potential risks or losses, in this case, related to health conditions. In the video, the speaker discusses how certain health issues, such as sleep apnea, could affect one’s ability to qualify for insurance, emphasizing that health conditions are scrutinized when applying for coverage.

💡Prescription

A prescription is an official medical document that allows patients to obtain medication. In this context, the speaker mentions '양악기 처방' (CPAP device prescription), which is essential for treating sleep apnea, explaining that while the device is prescribed for treatment, it might also flag potential health concerns for insurance companies.

💡Sleep apnea

Sleep apnea is a serious sleep disorder where breathing repeatedly stops and starts. The speaker refers to a 'sleep test' and the risk of having a '무호투수' (apnea-hypopnea index) above a certain level, which indicates severe sleep apnea. This condition can lead to complications and influence health insurance decisions.

💡Sleep test

A sleep test, also known as a polysomnography, measures various physiological functions during sleep, such as breathing and brain activity. In the video, the speaker describes undergoing a sleep test to diagnose sleep apnea and how the results of this test could affect insurance eligibility.

💡Heart disease

Heart disease refers to conditions affecting the heart, often due to restricted blood flow. The video mentions that untreated sleep apnea could increase the risk of cardiovascular diseases, and this could be a factor when applying for insurance.

💡CPAP machine

A CPAP (Continuous Positive Airway Pressure) machine is used to treat sleep apnea by maintaining open airways during sleep. The video discusses how using this device and showing improvements in sleep apnea could help convince insurance companies that the condition is under control.

💡Diagnosis

A diagnosis is the identification of a medical condition through testing and examination. In the video, the speaker talks about how the diagnosis of sleep apnea and other potential health conditions could influence whether an individual can obtain insurance.

💡Health risk

A health risk is a factor that increases the likelihood of health complications. The speaker explains that having a history of sleep apnea or other conditions, like cardiovascular problems, may be seen as a health risk by insurance companies, making it harder to get coverage.

💡Treatment

Treatment refers to the medical care provided to manage or cure a condition. The speaker mentions that demonstrating effective treatment of sleep apnea, such as through regular use of a CPAP machine, could improve the chances of securing insurance by showing the condition is controlled.

💡Pre-existing condition

A pre-existing condition is a health issue that existed before applying for insurance. The speaker highlights that insurance companies may reject applications based on pre-existing conditions like sleep apnea, especially if untreated or severe, emphasizing the importance of treatment and recovery documentation.

Highlights

Concern about insurance rejection due to prescription drugs

Lack of cardiovascular and internal medicine insurance

Considering insurance enrollment despite no family history or underlying conditions

Sought medical attention for severe snoring and underwent a sleep study

Awaiting results of the sleep study

Discussion on the potential for sleep apnea and its treatment

Mention of automatic insurance company awareness due to sleep study

The importance of providing the sleep study results for insurance enrollment

Suggestion to provide sleep study results to support insurance application

Comparison of curing a disease to improve insurance chances

The necessity of acknowledging the disease and treatment for insurance

Concerns about insurance rejection if the sleep study indicates issues

The possibility of insurance rejection without treatment

Emphasis on the importance of recognizing the disease and providing treatment results

The impact of high apnea-hypopnea index on cardiovascular and cerebrovascular health

Recent decrease in adventurous activities due to health concerns

Request for consideration of continuous medication use in insurance evaluation

Gratitude expressed to the neurologist for their expertise