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Why do health insurance companies have 3 moth waiting periods for pap smears?

I had a Leep procedure done in sept 2006 and I had 2 pap smears in November 2006 and February 2007 they were normal but I was due for another pap in august 2007 but didn't go because I didn't have health insurance anymore. I just health insurance with Humana without any riders but a 3 month waiting period for wellness visits. I'm afraid that if I go the free clinic for a pap smear and they find something wrong and I wait the 3 months and then go to a gyno get whatever operation that needs to be done that my insurance will say it is a preexisting condition and not cover the operation I may need to have

Public Comments

1. because that has been deemed the amount of time needed in order to see a significant change in the cervical cells. It is best to wait the three months...because lets say you go at two months and your pap smear is normal however you have a cervical change that develops at the more common three month interval ....you won't go back for another 3-6 mos.... insurance companies dictate these things because 1. they can and 2. because they have doctors and specialists who have made protocols based off of a statistic.
2. thank God i live in Australia! We don't have that problem here, the health system is controlled by the government and we don't have to worry about greedy insurance companies trying to rip patients off. I don't think they have a case there anyway, especially since you have had normal pap smears in the past. Maybe wait the 3 months before having your pap smear?
3. cause some people join a health fund just when they need to go to an expensive doctor.
4. Try this one - http://healthplans.bebto.com - my family have their health insurance - it is affordable and has good coverage for dental issues. As I know they can provide coverage with preexisting condition w/o waiting period.