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Yes, the lapse must be less than 63 days. For CA Small Group Reform at see

2008-07-30 13:50:10
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Is cancer consider pre existing?

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


What do medical insurance companies consider when determining your premium?

Preexisting medical conditions.


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.


Is implanting stints a preexisting condition if there was no heart attack?

I think most insurance companies would consider this a pre-ex. It is still a required procedure for treatment of a medical condition. What they extend the pre-ex clause to in terms of what they will or will not pay for is likely unique to the individual carrier and their guidelines.


If there is a short lapse in health insurance coverage after graduating from college and you suddenly get a serious health issue will the next insurer consider this a preexisting condition?

For individual insurance, yes. You may be subject to exclusion of that condition, uprating, or even denial of coverage. For group coverage you have 63 days to obtain new coverage. For more details use this link. http://mtnhealthinsurance.com/index.php?pageName=sec300gg Don http://mtnhealthinsurance.com


If i had already had back surgery is it consider a preexisting condition when applying for ins?

Yes, it will be pre-existing. Probably what will happen is the insurance comapny will place a "rider" on your back. The rider will exclude coverage for any condition related to your back, and may even list specific areas of the back that would not be covered for any future complications. Some companies will still pay for the medication (if any).


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Can I get a 25 year term life insurance policy for someone who has a pre-existing medical condition?

Yes, unless your health condition is expected to be fatal in the next few years. However, if the condition shortens life span, your insurance rate will be higher. You could also consider life insurance through work or a mortgage payoff life insurance, which you can qualify for even if term life insurance is out of reach.


Is hyperthyroidism a pre existing condition?

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If after an auto insurance claim is settled and subsequent damage is discovered is the insurer obligated to resettle?

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Is pregnancy a pre existing condition when enrolling in a group insurance plan?

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Which insurance companies would one seek if wanting more than home insurance?

One may contact a variety of companies depending on the insurance required. For health insurance consider companies such as Bupa and PruHealth. For automobile insurance consider companies such as Tesco or Churchill. For buildings and contents insurance one may consider companies such as Royal Bank of Scotland and Axa. One may also visit the 'MoneySupermarket' website to find further information on varieties of insurance and the best companies to visit for quotations.


Is pregnancy considered a preexisting condition if the person purchased insurance after they were pregnant but did not know they were pregnant?

Yes it is, still pre-existing, even if it wasnt to your knowledge. HIPAA is the law. Best chances for HIPAA to apply are if you go from a group plan to a group plan. Evidentally, individual to group and nothing to group are loop holes, so they can probably get out of it, or make you wait a certain amount of time. According to a Federal law that I found on the internet, GROUP health insurance cannot consider pregnancy a pre-existing condition if they currently have maternity coverage. However, this law does not apply to INDIVIDUAL health insurance. So, if you've changed jobs, and you now have a GROUP health insurance plan, then there is a good chance that you may be covered. I just recently got individual insurance through BCBS and I was pregnant and did not know when I requested maternity coverage. BCBS policy says that pregnancy can not be considered a pre-existing condition and their definition of a pre-exisiting condition is a condition that you can been receiving treatment and/or professional advice and help for for 6 months or more before opting for coverage. Also, they say that except for pregnancy all pre-exisiting conditions require a 180 day waiting period.


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What should you consider when buying homeowner insurance?

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