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The coverage of pre-existing conditions depends on the type of insurance and the specific policy terms.
. Disability Insurance
Disability insurance policies might exclude coverage for disabilities resulting from pre-existing conditions. This exclusion can apply for a certain period (e.g., 12 or 24 months) after the policy is issued. The specific terms depend on the insurer and the policy.
. Life Insurance
Life insurance companies often consider pre-existing conditions when determining premiums and eligibility. Applicants with pre-existing conditions might face higher premiums or coverage exclusions, or they might be declined coverage altogether.
What else can I help you with?
Does Aetna insurance accept preexisting conditions?
Most plans under Aetna insurance will accept preexisting conditions. Depending on the type of coverage you want Aetna's customer service reps will give you all the options you have to me medically covered with your preexisting conditions.
Are Attention Deficit Disorder and Bipolar Disorder considered preexisting medical conditions?
Yes, but on a group plan they may still be covered.
Does HBA Health Insurance have reasonably priced plans for individuals with preexisting conditions?
HBA Health Insurance will accept your application for health insurance. The price you will receive for you insurance will vary greatly depending on your personal circumstances and what you preexisting conditions are. There is a chance that those conditions will either not be covered or you will be charged a higher rate than one who does not have these conditions.
What are the release dates for Preexisting Conditions - 2015?
Preexisting Conditions - 2015 was released on: USA: 13 February 2015
What impact can marijuana have on preexisting heart conditions?
A study reported by The American Heart Association in February 2000, concluded that smoking marijuana can precipitate a heart attack in persons with preexisting heart conditions.
What do medical insurance companies consider when determining your premium?
Preexisting medical conditions.
Can insurance companies charge more for preexisting conditions?
Yes, insurance companies can charge more for preexisting conditions under certain circumstances, such as in the individual health insurance market before the Affordable Care Act was passed.
What is One of the contributing factors to stress reactionsthat is a physical factor?
preexisting medical conditions
What actors and actresses appeared in Preexisting Conditions - 2015?
The cast of Preexisting Conditions - 2015 includes: Douglas Conner as Melissa Jenny Coulter as Beatrice Brian Dorton as Katrina Ruthie Hodge as Blonde Woman Rodney Horn as Ms. Green
Is asthma 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 overweight, or possibly by a deviated septum.
Will your home owners policy cover a preexisting mold problem not disclosed at time of purchase?
No, unfortunately pre existing problems such as mold would not be covered.
What do you mean by adverse selection?
With respect to health insurance, adverse selection generally refers to the concept that people who are sick tend to buy, and to utilize, more insurance than others, all other factors being equal. In turn, the insurer that insures these people ends up paying proportionately more on behalf of these people. While the nature of insurance is to assume risks of loss and pay covered claims, the problem arises when legal requirements mandate that insurers essentially insure everyone, especially without regard to preexisting conditions. The matter gets even worse when the insurance regulator caps, or disallows, a differential in premium, to reflect the added risk, for those who are sick or who have preexisting conditions. Worse yet, the regulator may require that certain conditions be covered, whether or not they are preexisting. In all of those cases, the insurer ends up taking on more risk of loss than it is permitted, by the government, to charge a premium for.
