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How do you change insurance states with a Pre existing condition?
Wiki User
∙ 15y ago
That's a real tough question. You might get stuck in a Guaranteed Issue plan There are protections though for Employer Group plans
Wiki User
∙ 15y ago
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If you are covered under your spouses insurance and get a job that provides insurance with no lapse in coverage is any medical condition you have considered pre-existing?
No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.
How do you get health insurance when you already have a hernia?
A hernia should not prevent you from getting coverage in most states but they will generally exclude it as a pre-existing condition for 12 months. Talk to a local healh insurance specialist.
What is considered a preexisting condition?
A pre-existing condition is a medical condition that existed before you obtained health insurance. It is significant because the insurer may not cover the pre-existing condition for the duration of the pre-existing condition period. The policy will provide for a stated time period within which it will not provide benefits for the condition.The pre-existing condition exclusion period varies by insurance company, and also by the State in which the policy is issued. Currently, State law regulates the terms and conditions of insurance policies. For example, some States have disallowed certain types of provisions, including mcertain medical conditions to which they might otherwise apply.All of that may change if there occurs greater Federal involvement in the regulation of health insurance, but the odds are that new laws will apply only upon the expiration of existing insurance contracts and for the issuance of new contracts after such laws are implemented.The rationale for pre-existing condition exclusions is that medical insurance works the same way other insurances do: that insurance covers fortuitous occurrences, nor ones that are planned, intentional, or predictable. Stated otherwise, you need to have coverage in place before something adverse happens. An analogy is that just like you can't buy auto insurance after an accident to cover the cost of the accident, medical insurance only covers issues that arise unexpectedly after coverage has begun.Pre-existing conditions are usually chronic and often costly conditions such as:diabetesheart problemsmental illnessasthmaCOPDHemophiliaEpilepsyChronic Infectionsa pregnancy prior to coveragean injury which occurred prior to coverage.multiple sclerosis, etc.certain allergiescertain skin conditionsIf you think you may have a condition that might be pre-existing you can ask the insurance company if there are exceptions and if your physician can confirm you have not suffered or been treated for the problem during the time period designated by the insurance company. Some companies may decide they cannot cover you if you are seeking individual coverage (rather than group coverage).
Is a pregnancy a pre-existing condition?
Yes, in most states pregnancy is considered a pre-existing medical condition, and applicants for individual or family health insurance can be declined coverage if they're currently pregnant. In addition, some states allow health insurance companies to include clauses in newly issued policies that prevent them from being liable for any costs resulting from a pregnancy that occurs within the first year of coverage.
How to Obtain a Pre-existing Condition Insurance Plan?
One thing you may know is that individuals that suffer from pre-existing conditions have been long denied coverage by health insurance companies. This has certainly been no different for individuals with many different kinds of serious heart conditions. This will have also been the case for people that applied for a health insurance policy before 2010. However, in March of that year, a new kind of health insurance plan came into existence. This was the PCIP, an acronym that stands for Pre-existing Condition Insurance Plan. This was part of the healthcare bill signed into law by President Obama. To obtain a pre-existing condition insurance plan, there are certain steps you should follow. First, you should do some research. Visit the federal government's website for this healthcare plan to learn about the pre-existing condition insurance that is available in your state. On this website, you should be able to learn a lot about how the law has stopped insurance companies from denying coverage to people with pre-existing conditions. You should also be able to find a map of the 50 different states. If you click on your state, you should be able to find more information on the plans available in your state. The information that will be provided on a state's plan should include a number of requirements a person must meet to obtain this kind of insurance. One likely requirement is being uninsured for at least six months. Another is probably the inability to be insured by other companies due to a pre-existing condition. If you are able to meet these requirements, you can then use the supplied information to apply for the PCIP plan in that state. You should also realize that different states run their programs differently. Certain states run their pre-existing condition plans through the federal government. Others are run through the state instead. If the plan you can apply for is managed by your state, you will need to use the state's instructions when applying for the coverage. If the plan is ran through the federal government, you will have the ability to apply for coverage on the government's healthcare website. Lastly, you'll need to actually finish the application, sign it, and turn it in. You will also probably be required to turn in certain things with your application. One of these is likely to be a recent letter from an insurance company explaining that you were denied health insurance due to a pre-existing condition.
Is being pregnant considered a pre-existing condition in dc?
No, pregnancy is not a pre-existing condition and cannot be excluded by a group medical plan. This is true in all 50 states and Washington D.C. under a federal law, HIPAA.
How hard is it to get health insurance?
Health Insurance in the United States is extremely easy to obtain. There are no longer any underwriting requirements for getting health insurance. There is also no increase in premium based on your pre-existing health conditions. All of these factors mean that everyone is charged an average rate based on every person insured since insurance companies can no longer give better rates to people who are healthy or don't have health problems. There is no waiting period or pre-existing condition clauses. For these reason health insurance costs have increased with the introduction of the Obama health plan.
Can insurance companies turn you down for pre existing conditions?
For many of us who have bought health insurance before, the term 'pre-existing conditions' is a major cause of stress. Will a certain condition be covered? How much will the coverage be? How much will the premium be loaded? What about the waiting period?There are many questions and factors to look at when purchasing a health insurance policy - here are some key points to keep in mind when it comes to Pre-existing Conditions.What is a pre-existing condition?Some of us mistake pre-existing conditions as 'an illness or condition that a person might have at the time of buying a policy'.Well, pre-existing condition does not only refer to an illnesses that a person has at the time of buying a policy but it also includes a thorough medical history of any condition ranging from heart attacks, diabetes, past hospitalizations, any surgeries, medications for any disease or illnesses like high blood pressure or thyroid, skin disorders, major accidental injuries and any signs or symptoms such as increase in sugar, or high blood pressure. In other words, the insurance company wants to know about absolutely any disease, condition or injury you've had.All insurance companies have their own take on 'pre-existing conditions' so you need to read the literature very carefully.By and large, under the standard definition, 'a pre-existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan.'This means that a pre-existing condition refers to any health problem faced by the individual prior to seeking health insurance. Usually there is a 'look-back' period of around five to ten years which the insurance company investigates.Important disclaimer - part of the definition of a pre-existing condition is that it is 'a medical condition that is known OR unknown'. This means that if you have a disease that existed before you bought a medical insurance policy, but you didn't know about it at the time, it is still considered a pre-existing condition!Insurance companies dislike pre-existing conditionsUntil recently, most health insurance policies would exclude cover for pre-existing conditions along with all related conditions. For example, someone suffering from high blood pressure would in all probability also have exclusions placed on their policy for angina, aneurysm, heart attack, stroke etc. This would also be the case even if the condition was under control with medication.Insurers are reluctant to provide coverage to people who suffer from pre-existing ailments. This is because such people are more likely to require treatment and thus, present a higher financial risk to insurance companiesSo if I have a pre-existing condition, can I buy an insurance plan which will cover it?Under the Dubai Health Authority's new insurance law, insurers will not be permitted to deny individuals medical insurance coverage due to pre-existing conditions although treatment for chronic and pre-existing conditions may initially be excluded for the first 6 months of cover.Many insurance companies in the UAE now provide cover for pre-existing conditions, however, there are a few steps they take to mitigate their risk. The following methods will likely impact you if you have an existing condition:Premium Loading: The insurance company will include the pre-existing condition, but charge a higher annual premium.Waiting Period: Waiting periods prevent you from making claims soon after signing on to an insurance plan, or from claiming on pre-existing conditions. The duration of a waiting period varies among insurance companies. While the Essential Benefits Plan in Dubai states the waiting period as 6 months, in serious cases you might have a negotiated waiting period that is much longer.Premium loading + waiting period:You may have both premium loading and a waiting period.Exclusion of Pre-existing conditions: The insurance company will offer the applicant medical insurance coverage, but exclude the pre-existing conditions. This means the insurance company will not cover the costs of all treatment and services stemming from this medical condition.The best way to make sure that you have coverage for any medical conditions that you develop is to stay with the same company for the long-term. Insurance companies cannot deny you a renewal on your policy even if you develop a chronic or serious medical condition, as long as you have already been accepted into the plan. However, they can still increase the renewal price each year.Another possible way to get coverage for a pre-existing condition is to apply for a group policy. If your company is large enough, the insurance company may cover the pre-existing conditions of all members of the group.Why choose a Group Medical Insurance PlanThe new health insurance law in Dubai has made it mandatory for all employers to provide health cover for all staff. This includes residents and expatriates.When taking a group medical insurance plan (larger number of members), an insurer knows that they get a mixed population of both health and un-healthy individuals. They do not need to individually underwrite people because of the higher volume. Thus they are happy to cover pre-existing conditions and chronic conditions because they know given the size of the group; the payout will be proportionately smaller.The minimum number of employees to qualify for a company health insurance plan, and waive any pre-existing condition underwriting, varies greatly amongst insurance companies in the UAE. It can be as little as 10 employees or as high as 50 members
Where can I find Women's car insurance?
If you're in the United States, start with this website geared to women drivers http://www.car-insurance-for-women.org/. You may also want to check your existing insurance company since you might be eligible for a multiple car discount.
If you are a head injured person getting back into work would that have any impact on the workplace's insurance as they can't disclose anything to you?
Generally speaking, If your workplace offer insurance options, you cannot be denied because of a pre-existing condition. Now is you were to apply for insurance through your own methods separate from your workplace you could be denied based on what information you have supplied in order to be considered. If you live in the U.S. you can check out your states laws since every state is not the same. A good website is Healthinsurance.info.net. to look up your states laws and regulations.
How many people have pre existing conditions in the US?
it is estimated that more than half of the people in the United States has a preexisting condition. That is an estimated 150 million people.
What are the issues for getting insurance after a mother decides to take fertility drugs to get pregnant and can they get insurance?
In some states, the insurer can refuse to sell the mother a plan. This is true until January 1, 2014. If the mother lives in one of these states, then she may get turned down by the insurer. If she lives in a "guaranteed issue" state, then she will be able to buy a plan. As soon as she gets covered, the plan will cover the pregnancy and the child, since pregnancy is not considered to be a pre-existing condition (even if she is pregnant when she joins the new plan). Furthermore, if the mother develops a condition, such as gestational diabetes, the treatment of that condition will also be covered (subject to any other applicable exclusions or exceptions in the policy).
