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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:
If 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).
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:
- 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-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).
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What are preexisting conditions and is a sinus infection considered a preexisiting condition?
Answer .
For details on what a pre-exisiting condition is see http://www.steveshorr.com/technical_questions.htm#What%20is%20a%20Pre-Existing%20Condition\n.
\nA sinus infec…tion would probably be a pre-x. Read the application carefully. I doubt this would stop you from getting coverage.
What is considered psychiatric preexisting condition?
Most medical conditions that you've been diagnosed with prior to applying for the insurance will be considered pre-existing. If you've been seeing a psychiatrist before or dur…ing the application process, it will be considered pre-existing.
Is sleep apnea considered a preexisting condition?
It depends on what is causing the sleep apnea. It is preexisting if it is caused by tonsils, adnoids, or an elongated uvula..
It is not preexisting if it is caused by being o…verweight, or possibly by a deviated septum.
Would multiple sclerosis considered a preexisting condition?
Yes. Depending on your prior coverage, it may or may not be excluded... see links.
Is asthma considered a preexisting condition?
Yes, it is, and so is pregnancy, or herpes......in the USA anyways...
Is chlamydia considered a preexisting condition?
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.
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.
Is pregnancy considered a preexisting condition by insurance companies?
Yes. Many insurance companies will place a waiting period on maternity coverage to ensure that the policyholder is not purely purchasing the policy to take advantage of a mate…rnity benefit. The typical waiting period for a maternity benefit is between 12 and 24 months from the start of the plan. It is important to note, however, that it can be possible to receive a newborn coverage benefit at a much earlier time (in some cases as early as 6 months). If you have your delivery during the policy waiting period for maternity then none of your expenses will be reimbursed by the insurer. It is important that all policyholders understand how long the waiting period is for all benefits on their health insurance plan.
Is high cholesterol considered a preexisting condition?
It depends on how an individual insurance company sees the condition. During the underwriting process, most cholesterol issues are handled on a case by case basis. Depending o…n the actual cholesterol readings, some companies will either give you an increased monthly premium (rate-up) or place a rider on the condition. A rider on the condition means that if you went to your doctor specifically for your high choloesterol, the office visit may not be paid for by the insurance company.
Does there have to be a diagnosis to be considered a preexisting condition?
According to my insurance company if you have seen a doctor about the condition it is preexisting.
You got a broken leg had to have surgury is this considered a preexisting condition?
Answer No, though the onset date would still be necessary to apply emergency benefits,
Is gout considered as a preexisting condition for oesteoarthritis?
Gout and osteoarthritis are different conditions.
Answered
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-existin…g 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.
Answered
Are seizures considered preexisting conditions to health insurers?
Depending upon the kind of seizures (grand mal, petit mal, etc), its recency, and its frequency, seizures may be considered to be a preexisting condition. A preexisting condit…ion is one that has manifested itself before the application for insurance. Among the medical questions that are asked on the application for insurance may be one pertaining to seizures. The question may be phrased in such a way that the insurer asks about seizures occurring within a stated period of time in the past. If there have been none within that period, the applicant may be able to honestly answer "No". Alternately, the question may be asked as to whether the applicant has "ever" had a seizure. If the applicant has had one or more, the honest answer is "Yes". Even if the applicant has had one or more seizures, and acknowledges it/them on the application, some insurers will issue a policy. In fact, the trend in health insurance is to preclude insurers from denying policies to applicants with preexisting conditions. One of the major problems that sometimes arises is when the applicant is not truthful about health history. Often, that misrepresentation is discovered when the insured submits a claim for benefits. Because insurers investigate the type of claim and the need for the medical service, it is sometimes discovered that the service was connected with a condition that predated the policy. If the insured's misrepresentation was such that had the insurer known about it, it would have either not issued the policy, or would have issued it only for a higher premium, it may have the right to cancel the policy "ab initio". This means that the policy would be canceled retroactively from its inception.
Answered
Is prostate cancer considered a preexisting condition?
If you have prostate cancer and you then apply for health insurance, it would be a pre-existing condition. Pre existing meaning that you have it prior to some other action.
Answered
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What are Preexisting Conditions?
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.