A pre-existing condition is a risk with extant causes that is not readily compensated by standard, affordable insurance premiums. Pre-existing condition exclusions by the insurance industry are meant to cope with adverse selection by potential customers. Such exclusions have become a topic in the health care reform debate in the United States, with a ban on pre-existing condition exclusions included in H.R. 3962, the health care reform bill passed by the House of Representatives on November 7, 2009. Some practices of the health insurance industry, such as determining domestic violence to be an excludable pre-existing condition, have been called abuses by the Service Employees International Union and by a Department of Health and Human Services Federal Office of Rural Health Policy report (Order No. # 99-0545(P)).[1][2][3]
A Time Magazine poll in late July 2009 found that a large majority of Americans (80%) wanted to require insurance companies to insure people even if they suffer from 'pre-existing conditions'.[4]
References
- ^ Rhonda M. Johnson, MPH, CFNP, "Rural Health Response to Domestic Violence: Policy and Practice Issues," Federal Office of Rural Health Policy, August 30, 2000.
- ^ When getting beaten by your husband is a pre-existing condition Huffington Post on opposition from Rep. Mike Enzi and others to blocking discrimination by insurance companies against victims of domestic violence
- ^ Maria Tchijov "Domestic violence is a 'pre-existing condition'?," Service Employees International Union, September 11, 2009.
- ^ "TIME MAGAZINE/ABT SRBI – July 27- 28, 2009 Survey". Time Magazine. July 29, 2009. http://www.srbi.com/TimePoll4794_Final_%20Report.pdf. Retrieved September 10, 2009.
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