What is a preexisting condition?
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.
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A pre-existing condition is a medical condition that existed beforeyou obtained health insurance. It is significant because theinsurer may not cover the pre-existing condition… for the durationof the pre-existing condition period. The policy will provide for astated time period within which it will not provide benefits forthe condition. The pre-existing condition exclusion period varies by insurancecompany, and also by the State in which the policy is issued.Currently, State law regulates the terms and conditions ofinsurance policies. For example, some States have disallowedcertain types of provisions, including mcertain medical conditionsto which they might otherwise apply. All of that may change if there occurs greater Federal involvementin the regulation of health insurance, but the odds are that newlaws will apply only upon the expiration of existing insurancecontracts and for the issuance of new contracts after such laws areimplemented. The rationale for pre-existing condition exclusions is that medicalinsurance works the same way other insurances do: that insurancecovers fortuitous occurrences, nor ones that are planned,intentional, or predictable. Stated otherwise, you need to havecoverage in place before something adverse happens. An analogy isthat just like you can't buy auto insurance after an accident tocover the cost of the accident, medical insurance only coversissues that arise unexpectedly after coverage has begun. Pre-existing conditions are usually chronic and often costlyconditions such as: . diabetes . heart problems . mental illness . asthma . COPD . Hemophilia . Epilepsy . Chronic Infections . a pregnancy prior to coverage . an injury which occurred prior to coverage. . multiple sclerosis, etc. . certain allergies . certain skin conditions If you think you may have a condition that might be pre-existingyou can ask the insurance company if there are exceptions and ifyour physician can confirm you have not suffered or been treatedfor the problem during the time period designated by the insurancecompany. Some companies may decide they cannot cover you if you areseeking individual coverage (rather than group coverage).
If the pregnancy began before the first date of coverage - yes it is preexisting.
If your shoulder commonly comes out of its socket, then it is a preexisting condition. If it is the first time you have dislocated your shoulder or if you have never dislocate…d your shoulder, then it is not a preexisting condition.
A preexisting condition refers to a medical condition that you had before you applied for new medical health care. Let's say you got a new job that had health care b…enefits that you would receive after thirty days on the job. For example , if you had already been diagnosed with Diabetes, high blood pressure, back injuries, ulcers or Cancer and they didn't find these out during your pre-job physical (in which case, they probably wouldn't have hired you), these are considered preexisting illnesses , and the insurance company can refuse to treat these diseases or they can make you pay full price for you prescriptions and they can make you wait up to nine months before they will pay for the treatments of these illnesses. This is the case also if you are disabled and unemployed and you apply for health insurance and you don't qualify for SSI , they can make you wait for up to nine months before paying for the treatments for your major illnesses.
Yes, it is, and so is pregnancy, or herpes......in the USA anyways...
Chlamydia is pre-existing if you were diagnosed with the condition prior to completing the application process. I write applications for BlueCross BlueShield of Florida, and w…ith us, if you have been diagnosed with Chlamydia prior to the application process you will not be eligible for coverage. Other companies/states may vary.
With the passage of the affordable heath care act, companies are no longer allowed to deny claims and coverage based on "preexisting conditions"; as such most of the debate ha…s been rendered moot. however, it is not considered a preexisting condition insofar as a when the Autism Spectrum Disorder (ASD) has first been identified. The autism spectrum covers an extensive variety of conditions and symptoms, while highly autistic cases can be easily identified at age two, less severe or obvious cases such as Asperger's and PDD-NOS will evade detection or go unidentified and thus untreated sometimes well into adulthood. As such the date of first coverage should coincide with the date of diagnosis and no later.
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 benefi…ts 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.
According to my insurance company if you have seen a doctor about the condition it is preexisting.
Yea. Even people hundreds of yrs. ago were addicted to alchocol!
No, premature birth is not at all a preexisting condition. Premature birth becomes imminent when the doctor thinks the condition of both mother and child would be safe to allo…w premature birth. In this way it will not be considered as a preexisting condition while applying for Medical insurance.
It is up to the entity claiming it is pre-existing to prove that it was known prior to the policy effective date. You may need to get a lawyer to successfully argue that point….
Only if it has been previously documented in your Medical Records and you didn't know about it. You have a right to view your Medical Records in their entirety , but anyone ca…n charge you for a copy for your personal records.Some places charge up to $1 per page.
A sexually transmitted disease may be a preexisting condition, but not necessarily.
The diseases which already existed at the time of taking the healthinsurance policy are attributed as preexisting condition. TheHealth Insurance Co. is at liberty to cancel yo…ur claim forthwithif it is proved that you contacted any such disease after takingthe policy.
Any personal illness or health condition that was known and existedprior to the writing and signing of an insurance contract is knownas pre-existing conditions. It includes an…y and every health issueranging from the usual suspects like cancer and diabetes to highblood pressure, asthma and even acne.