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Yes they are pre-x, however if the parents were covered then the Insurance would have to cover. For more info see

2015-07-14 16:09:13
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What do medical insurance companies consider when determining your premium?

Preexisting medical conditions.

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.

How will people with chronic illnesses be affected under ObamaCare?

Insurance companies will no longer be able to deny coverage to them for having preexisting conditions.

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.

In Texas can insurance companies reject patients with preexisting conditions?

Any Health Insurance company can reject anyone with a pre existing condition. Look for another Health Insurance company if you are rejected by one.

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.

Can I be denied health insurance due to preexisting medical conditions if my job switches health insurance carriers?

No, because group insurance is normally guaranteed-issue, so they have to insurance no matter what conditions you have.

Will Obama lower health care insurance?

Possibly, but not Necessarily. Obama has only rewritten the rules that health insurance companies use to offer health insurance, i.e. the removal of preexisting conditions as a means of denial for insurance or insurance coverage. He has not forced the insurance companies to make any additional plans of coverage or premium/limit of liability reductions. Therefore, it depends on how the insurance companies react to these new parameters.

Would abnormal pap smear be a preexisting condition?

Under the Affordable Care Act, "preexisting conditions" are no longer a barrier in health insurance. Abnormal pap smears will not affect future insurance.

Is having a heart cathetor test considered pre existing condition?

Tests, of any kind, are not included in the definition of preexisting condition. You have to be given a definitive diagnosis from that testing in order to have a preexisting condition. If by having a heart cath test, it was determined that you did not need to have one placed, then you do not have a preexisting condition. For example, you may have an MRI/CAT Scan and then a PET Scan to determine if you have cancer, but if they find you do not have cancer, then you are not diagnosed with a condition, therefore cannot considered preexisting. I should add that, generally if a Dr. wants to evaluate for a heart cath, then you currently have or have had issues with your heart in the past. This may be something like a high percentage blockage, irregular heart beat, thickening of the lining around your heart, etc. This would be considered a preexisting condition and future insurance companies may determine that any intervention needed on your heart would be preexisting. However, insurance companies usually have a preexisting time frame (generally 12 or 24 months) in which a condition is no longer consider preexisting. For example, if you were diagnosed with a heart condition 13 months ago and the insurance company you are planning on joining policy is a 12-month limit on pre-existing conditions, then you are in the clear and the preexisting condition clause does not apply to you.

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 during the application process, it will be considered pre-existing.

Does most health insurance companies provide insurance to injuries that Occurred before having insurance?

Usually not preexisting injuries, but if you had a disease they would. such as diabetes. Answer Group insurance policies can only exclude preexisting conditions for 12 months, 18 months for a late enrollee. And not at all if you have prior "creditable" coverage. For more info use this link: In most states you are not going to be able to obtain individual (non group) coverage with a preexisting condition. Don

Is cancer consider pre existing?

If you try to get health insurance and you have cancer, it is considered a preexisting condition.

What are some guranteed insurance companies?

There are quite a number of various insurance companies that can be considered guaranteed insurance companies. Some examples of these companies are AARP and Patriot National Insurance Group.

Does a preexisting condition matter with no exam life insurance?

You will have to fill out a questioneer and disclose your condition. Your prexisting conditions do indeed matter.

Are mamagrams considered pre existing condition?

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.

Is it possible to add a pregnant spouse during the open enroll period for insurance and the pregnancy not be considered preexisting?

== == Probably.

Is it possible to get health insurance with a preexisting condition?

If you are being offered a health plan through a company there should be no preexisting condition requirements. If you are going through another company when you lost your job there may be problems getting insurance. You should contact different companies to see, but the new health care bill should protect you. This site has more information:

Would finding out your pregnant before your insurance has begun be considered a preexisting situation?

Yes. Check the definition though in your policy.

Are gallstones a preexisting condition?

If you were diagnosed with gallstones prior to applying for insurance, or if you knew you had gallstones during the underwritng process, then it is considered pre-existing. This rule applies to most medical conditions which existed before the application process.

Can you have multiple car insurance policies with multiple insurance companies?

No. It is considered fraudulent.

Does health care insurance have to cover preexisting illnesses?

Some Health insurances cover preexisting illness.

Can you get individual health insurance if you have a preexisting condition?

Yes, though it is hard. Also, preexisting conditions vary, as far as definition, from one company to another. While it is easier to get coverage through an employer, you are able to get it via a private company.

Is an ovarian cyst considered a preexisting condition if it has dissolved on its own months prior to being enrolled in an insurance plan?

An ovarian cyst would not be considered a pre existing condition. You should have no problem getting an insurance plan.

How much does Denver health insurance cost?

The cost of Denver health insurance depends on a several factors; sex, age, smoker, body mass index, preexisting conditions and possibly your profession would be the main factors that an underwriter would take in to consideration. Try this site where you can get quotes from different companies