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Is 0ne year the waiting period for non treatment on pre existing medical condition?
Wiki User
∙ 11y ago
If you have had treatment in the six months before you join a new group health plan, then the new plan can refuse to pay claims for that condition for one year.
Wiki User
∙ 11y ago
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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.
Does insurance cover preexisting conditions?
Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: # Exclude the pre-existing condition from coverage, but offer other benefits as usual. # Place a 24 month moratorium (or waiting period) on the coverage of the condition. If the policyholder receives no treatment during the moratorium, the condition may be reconsidered for coverage. # Cover the condition by increasing the plan premium. This may not be applicable for all pre-existing conditions. # Cover the condition under a Medical History Disregarded benefit (MHD), which is typically only available to group coverage where 20 or more members are enrolled. There are no industry wide standards for dealing with pre-existing conditions, and each insurance company will provide coverage, or not, in their own way.
If you have to provide medical ins for your ex who has an existing medical condition where can you get the best most cost effective coverage?
You're probably NOT required to get her the coverage, but to pay the premiums. You also have a problem with HIPAA Privacy in that she doesn't have to tell you what her medical problems are, nor can you sign the application for her. You may be able to get coverage, without any problems. Then you just have to worry about how long the waiting period is. If she had prior coverage in the last 63 days that coverage applies to the new waiting period.
How do you spell patient as in no problem waiting?
That is the correct spelling of the adjective "patient" (forbearing, accommodating) and also the noun meaning someone receiving medical treatment.
If you are type II diabetic and on COBRA with your former employer until you get new group coverage with your new employer does the pre-existing condition rule apply to you?
No, since you have credible coverage. CA Small Group Employer Law - AB 1672 http://www.steveshorr.com/ic_10700_carrier_requirements.htm#10708.%20%20(a)%20Preexisting%20condition Federal Law A limitation or exclusion of benefits for a condition based on the fact that you had the condition before your enrollment date in the group health plan. A pre-existing condition exclusion may be applied to your condition only if the condition is one for which medical advice, diagnosis, care or treatment was recommended or received within the 6 months before your enrollment date in the plan. A pre-existing condition exclusion cannot be applied to pregnancy (regardless of whether the woman had previous coverage), or to genetic information in the absence of a diagnosis. A pre-existing condition exclusion also cannot be applied to a newborn or a child who is adopted or placed for adoption if the child has health coverage within 30 days of birth, adoption or placement for adoption and does not later have a significant break in coverage. If a plan provides coverage to you through an HMO that has an affiliation period, the plan cannot apply a pre-existing condition exclusion. A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee). A pre-existing condition exclusion that is applied to you must be reduced by the prior creditable coverage you have that was not interrupted by a significant break in coverage. You may show creditable coverage through a certificate of creditable coverage given to you by your prior plan or insurer (including an HMO) or by other proof. The plan can apply a pre-existing condition exclusion to you only if it has first given you written notice. If your plan has both a waiting period and a pre-existing condition exclusion, the exclusion begins when the waiting period begins. In some states, if plan coverage is provided through an insurance policy or HMO, you may have more protections with respect to pre-existing condition exclusions. http://www.dol.gov/elaws/ebsa/health/4.asp
How is luekemia treated?
Leukemia is a very serious condition. It is a cancer of the blood cells. Treatment includes watchful waiting, chemotherapy, stem cell transplant, and radiation therapy.
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
Is there any permanent treatment for caustochondritis?
There is not a permanent treatment for Caustochondritis. Doctors are still waiting on a treatment that will be more permanent.
Can you get an individual heath insurance policy while still covered under your employer's plan in order to start the pre-existing condition waiting period because you anticipate leaving the job soon?
you sure can
What is the actual waiting period to conceive after IVF Treatment?
Yes there is a waiting period to conceive after the first IVF treatment, but I am not sure how much I have to wait, could anyone guide me with proper feedback.
What is busy waiting give fragment of source code in c that shows busy waiting?
while(test-and-set(1)) { //access critical section } busy waiting is constantally checking for a condition for true if it does not again and again check the condition upto condition becomes true
Is watchful waiting a good alternative for prostate cancer?
Watchful waiting is done to see how fast the cancer is advancing. It is not actually a treatment.
