0
How long do you need to wait to be treated after your health insurance is in force so it will not be considered a pre-existing condition?
Wiki User
∙ 11y ago
A pre-existing condition is any illness that you had treatment for in the 6 months before you joined the plan. So, while you definitely have a pre-existing condition, you do not necessarily have to wait to get care.
True, your plan can refuse to cover treatment for the illness for up to 12 months. But they have to subtract one month for every month that you had uninterrupted health insurance coverage. So, if you were on your previous group plan for at least months, the new group plan covers everything - including your pre-existing condition. If you had a 63-day gap in your health insurance in the 12 months before you join a group health insurance plan, then the plan starts counting from the end of your gap to your enrollment date. (Note: rules are different for individual health plans.)
Under health reform ("Obamacare"), insurers have to cover pre-existing conditions and cannot refuse to sell you a plan based upon your having a pre-existing condition. This begins on January 1, 2014.
Wiki User
∙ 11y ago
Add your answer:
Earn +20 pts
Would a condition be considered preexisting if you have never been treated for it but you may have had it without knowing?
A condition is considered pre-existing only if confirmed and diagnosed by a Medical provider. You may think you have high blood pressure for example, and you may have, but until diagnosed by a doctor it's not considered a fact.
Can you be treated for back pain at a er with out it being considered a pre existing condition?
You can be treated, the question about the pain be pre-existing will be determined by your insurance plan.
Is a bone spur considered a pre-existing condition?
only if you have been treated for it prior to your current insurance effective date
Is a water pill considered a preexisting condition?
The medication itself whether it is Hydrochlorathiazide (HCZT) Lasix, Furosemide or any of the other diuretic prescriptions on the market today would be considered pre-existing secondary to the condition itself. Is it being treated for Hypertension, Edema, or is it being treated for something much more complicated like treating the water bloating effects of a disease like addisons? It is important to know that water pills will tend to cause somewhat of a red flag to the insurance company but not always, also it depends on several interrelated factors.
Is hyperthyroidism a pre existing condition?
Yes. It's a pre-existing condition. But it can be conditional. If for example you have hyperhtyroidism but was treated and it never reoccurred (you were not treated for it) for at least 6 months prior to enrolling for a health insurance, then the insurer won't consider it a pre-existing condition.
Is arthritis a pre existing condition?
Sure if you had been treated or had symptoms of arthritis before taking out whatever you are talking about then it would be a pre-existing condition. Anything that existed before is a pre-existing condition.
What are the alternatives to adrenalectomy?
depend on the medical condition underlying the decision to perform the surgery. In some cases, drug therapy may be considered as an alternative when the condition being treated in benign
Is gerd a pre-existing medical condition?
Yes, as a general rule anything you have or are being treated for is considered a pre existing condition. Now, depending on where you live and the insurance company you chose, it may not matter as far as coverage goes. For example, some companies will rate you up only depanding on weather your medication is brand name or generic. Bottem line having Gerd will normally not disqualify you from getting healh insurance
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).
If you were treated for a condition in April and got insurance coverage in May would a claim for treatment in October be a pre-existing condition?
Propably. Did you have prior insurance? For more info see http://www.steveshorr.com/technical_questions.htm and scroll down the page Depends on the diagnosis: broken arm? No .... allergies? Yes.
If your husband-to-be was recently treated for a heart condition and had no insurance will you have problems getting him on your company insurance policy when you get married?
Typically, they will raise your rates or put in stipulations that he will not be covered in the case of a future heart related problem. Unfortunately with traditional insurance any pre existing conditions typically mean they can charge astronomical fees to cover that condition or he will be denied coverage altogether. If you get a quote and it's too much to handle, you may want to check out this company. http://www.YourSimpleCard.com They cover all preexisting conditions and they have a hospital advocacy program, so god forbid he is ever hospitalized you will have the peace of mind knowing that a personal advocate will come out and negotiate any hospital bills.
If you have medical insurance now but have pre existing condition can you still obtain medical insurance?
You can still have the insurance but it may not cover the condition due to a waiting period. Most insurances have a 1 year waiting period for pre-existing condtions but after that year you can be treated. Some insurance policies do not have a waiting period. So it all depends on the insurance and the policy you have. You need to contact the insurance company with your group and policy numbers to find out more info on the contract.
