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Pregnancy is not a pre-existing condition when enrolling in a group (employee benefits) plan.
That is not the whole answer to the question. It needs to be determined if your question is about group or individual insurance?
It is true that pregnancy is not considered a pre-existing condition if you are going from one HMO to another. But it is a different story when when you go from private coverage to an HMO, or if you did not have insurance previously then tried to go to an HMO.
HIPPA (federal law) requires that when going from one job to another, and also changing HMO, then the new HMO can not bar you from coverage. There is however no federal protection if you did not have coverage before.
**** It depends on when you got you medical insurance. I have been told by my insurance that it could be if you got prego before you got your insurance. It all depends on the company you work for or where you insurance is through. ****
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Answer In my experience as an insurance agent the disability insurance policy I can offer specifically excludes pregnancy. Also, from what I have seen with other polici…es is that since pregnancy is planned, in most cases, it is not considered a disability. It is similar to being pregnant and not being able to be excepted if you apply for health insurance until after the pregnancy. This may be true for policies sold direct. However, Short Term Disability policies sold as Voluntary Employee Benefits do provide the coverage you are asking about. * When bought preconception, Short Term Disability provides a six week benefit period for vaginal birth - less the elimination period, and an eight week benefit period for cesarean birth - less the elimination period. You must buy these programs at work, but since you will be paying for the programs, it is very easy to ask your employer to make the option available.
Answer Probably. For more info see www.SteveShorr.com/maternity.htm
Is pregnancy considered a pre-existing condition if applied for insurance before got pregnant but policy doesn't start until after got pregnant?
Answer Is this a group or individual plan? For an individual plan, it probably is - check the policy.
Answer Yes it is,
Having a large fibroid in the uterus is considered as a pre-existing condition for a health insurance?
Migraine headaches can be considered pre-existing and will normally be placed on a "Rider" which means that any claim associated with the migraines would not be co…vered. For instance, if you went to a doctor specifically for the migraines, that office visit would not be paid because of the rider. Some companies will still cover the medication, but not the condition. Also keep in mind that group plans handle pre-exisiting conditions differently than individual plans. Some group plans may not place a rider on the condition.
It is not pre-existing if you were not pregnant when you took out the coverage, it may however be excluded as a covered benefit. Check your policy for language related …to pregnancy and maternity leave. Many policies will cover the "normal delivery" if you enrolled preconception. Others will exclude normal childbirth during the first nine months of the policy effective date. Complication of pregnancy and delivery will be covered to the same extent as any other sickness. Accidents and illnesses will also be covered.
Yes, a pulmonary embolism can be considered a pre-existing condition. This would only be the case if you had been previously diagnosed with the condition.
Yes, as are most chronic medical conditions.
A pre-existing condition means a condition that has existed already. For example, you try to purchase life insurance and you have cancer. The insurance policy may deny cove…rage for medications or treatments as the cancer existed prior to the purchase of the policy.
is pregnancy considered a pre-exsisting condition for medical coverage
No, a mammogram is a test used to check for breast cancer, it is not a condition at all. Preexisting conditions are medical conditions you had prior to entering a health plan …such as hypertension or diabetes. A mammogram is a test, not a condition as stated. To deny someone medical insurance stating that the mammogram they had was a preexisting condition is just a way these health insurance plans try to reduce the amount they have to pay on claims only wanting you to pay into them.
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 curr…ently 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.
only if you have been treated for it prior to your current insurance effective date
Any disease including diverticulosis if exists before and/or at the time of filling up the proposal form for Medical Insurance will be deemed to be 'Pre-existing'. The pre-exi…sting condition will be excluded from the purview of mediclaim for specific period which may vary from one Insurance company to other.However, if the insured person is unaware of existence of any disease like Gol bladder stone and did not mention in the proposal form, the same will not be treated as 'Pre existing'.
It depends on the allergies, the treatment and the prognosis. For example, if you have mild hay fever and you take an over-the-counter antihistamine for it, it won't effect yo…ur coverage. In fact, you don't have to disclose it on your application unless you've seen a doctor for it. If you have hay fever and you're being treated by a physician with allergy shots and a prescription to alleviate the symptoms, it'll be considered a pre-existing condition. Thanks to health care reform, this is the last year that pre-existing conditions will be an issue with regard to health insurance.