The new plan must give you credit for your time on the prior plan.
It might and it might not. It depends on what scope of coverage you purchased and if it was a preexisting condition or not.Contact your insurer or your insurance agent for clarification of your coverage.
Yes, if it was known prior to coverage. If you have had continuous insurance since the genetic condition was known and there was no lapse in coverage (or the lapse was short enough), care for that condition will be covered by your new insurer, per HIPAA.
Gap health insurance can be beneficial if a preexisting condition exists. It is also helpful in the event of emergencies during which for whatever reason health coverage has lapsed.
Yes, though it is hard. Also, preexisting conditions vary, as far as definition, from one company to another. While it is easier to get coverage through an employer, you are able to get it via a private company.
Usually not preexisting injuries, but if you had a disease they would. such as diabetes. Answer Group insurance policies can only exclude preexisting conditions for 12 months, 18 months for a late enrollee. And not at all if you have prior "creditable" coverage. For more info use this link: http://mtnhealthinsurance.com/index.php?pageName=sec9801 In most states you are not going to be able to obtain individual (non group) coverage with a preexisting condition. Don http://mtnhealthinsurance.com
A pre-existing condition any medical condition that your have been diagnosed with, prior to the time of application. Some pre-existing conditions can cause an applicant to be declined coverage. Other conditions may cause the insurance company to place a "rider" on the condition, meaning they would not cover the condition itslef but will still offer coverage to you.
Most plans under Aetna insurance will accept preexisting conditions. Depending on the type of coverage you want Aetna's customer service reps will give you all the options you have to me medically covered with your preexisting conditions.
For individual insurance, yes. You may be subject to exclusion of that condition, uprating, or even denial of coverage. For group coverage you have 63 days to obtain new coverage. For more details use this link. http://mtnhealthinsurance.com/index.php?pageName=sec300gg Don http://mtnhealthinsurance.com
"Preexisting" : a condition or state which preceded another. (sometimes appears hyphenated as 'pre-existing') A "preexisting condition" : A status for medical afflictions that were already affecting a patient before the beginning of the current (or future) medical coverage or treatment.
Check the definition in YOUR policy. West's Ann.Cal.Ins.Code ? 10700 q) "Preexisting condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. The important thing is to list it on the application, if and where asked -
Usually you won't be denied coverage outright, but expect your coverage to have limitations that will prevent you from making claims directly related to your preexisting condition. If your coverage includes life insurance, expect similar limitations.For example, if you have a heart problem, they probably will not cover any medical expenses from a surgery, but if you dropped a heavy box on your foot at work, they would cover expenses for a broken toe. Or with life insurance, they probably wouldn't pay out if you died of a heart attack (if you have existing heart condition) but if you were hit and killed by a vehicle at work (God forbid), you would have coverage.Ultimately the decision to cover you, or not, is the insurance provider's to make.
Insurance companies will no longer be able to deny coverage to them for having preexisting conditions.