HomeIf you are refused coverage for a pre-existing condition can another insurance company find out that you were refused coverage elsewhere?
Wiki User
2015-07-15 19:35:39
2015-07-15 19:35:39
Probably not. Does the company belong to MIB? http://www.mib.com/html/health.html
The important thing is that you answer the questions correctly on the new application - otherwise they can recind it as the Insurance Company relies on your application to make a decesion http://www.steveshorr.com/wrong.or.imcopmplet.info..htm
Most health insurances have a pre-existing clause in them...some also offer certain rider coverages to pay for certain procedures related to a certain diagnosis. Fortunately for most, health insurances that have a pre-existing clause also gives the insured an opportunity to prove that they were covered previously through another carrier by allowing the insured to provide them with a "certificate of coverage" this will allow the carrier to show that the insured did have coverage through a previous carrier. However, it is always best to fill out the coverage application in full.
Related Questions
It might and it might not. It depends on what scope of coverage you purchased and if it was a preexisting condition or not.Contact your insurer or your insurance agent for clarification of your coverage.
If the pregnancy began before the first date of coverage - yes it is preexisting.
Yes, if it was known prior to coverage. If you have had continuous insurance since the genetic condition was known and there was no lapse in coverage (or the lapse was short enough), care for that condition will be covered by your new insurer, per HIPAA.
No, preexisting conditions do not apply to prescription coverage. This ended in the beginning of 2014 when Obama's health care plan went into works.
Gap health insurance can be beneficial if a preexisting condition exists. It is also helpful in the event of emergencies during which for whatever reason health coverage has lapsed.
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.
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: http://mtnhealthinsurance.com/index.php?pageName=sec9801 In most states you are not going to be able to obtain individual (non group) coverage with a preexisting condition. Don http://mtnhealthinsurance.com
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.
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
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.
"Preexisting" : a condition or state which preceded another. (sometimes appears hyphenated as 'pre-existing') A "preexisting condition" : A status for medical afflictions that were already affecting a patient before the beginning of the current (or future) medical coverage or treatment.
The new plan must give you credit for your time on the prior plan.
The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting conditions. Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to allow insurers to maintain a balance between the cost (premiums) for insurance relative to the magnitude of the risk assumed.
Usually you won't be denied coverage outright, but expect your coverage to have limitations that will prevent you from making claims directly related to your preexisting condition. If your coverage includes life insurance, expect similar limitations.For example, if you have a heart problem, they probably will not cover any medical expenses from a surgery, but if you dropped a heavy box on your foot at work, they would cover expenses for a broken toe. Or with life insurance, they probably wouldn't pay out if you died of a heart attack (if you have existing heart condition) but if you were hit and killed by a vehicle at work (God forbid), you would have coverage.Ultimately the decision to cover you, or not, is the insurance provider's to make.
Insurance companies will no longer be able to deny coverage to them for having preexisting conditions.
The Insurance Company generally finds out by what you tell them on the application. If you don't tell them, they probably have the right to deny coverage and rescind the application. check what YOUR policy says
Yes. Depending on your prior coverage, it may or may not be excluded... see links.
Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.
Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: # Exclude the pre-existing condition from coverage, but offer other benefits as usual. # Place a 24 month moratorium (or waiting period) on the coverage of the condition. If the policyholder receives no treatment during the moratorium, the condition may be reconsidered for coverage. # Cover the condition by increasing the plan premium. This may not be applicable for all pre-existing conditions. # Cover the condition under a Medical History Disregarded benefit (MHD), which is typically only available to group coverage where 20 or more members are enrolled. There are no industry wide standards for dealing with pre-existing conditions, and each insurance company will provide coverage, or not, in their own way.
GIO Insurance will indeed offer you auto and home insurance, as well as travel and boat insurance. However, you will need to look elsewhere for health coverage.
CA AB 1672 aka Insurance Code 10700 et seq - see the term ELSEWHERE below (r) "Creditable coverage" means: (1) Any individual or group policy, contract, or program, that is written or administered by a disability insurer, health care service plan, fraternal benefits society, self-insured employer plan, or any other entity, in this state or elsewhere, and that arranges or provides medical, hospital, and surgical coverage not designed to supplement other private or governmental plans.
It will be tough but not impossible. One alternative to this is getting a work comp policy - this is only accident coverage but its better than no health insurance at all.
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.
Yes, you are allowed to refuse to be covered by the employer's plan. They may ask you for proof of coverage elsewhere, which you may or may not have. The insurance carrier wants this, in order to know that people are not dropping out for other reasons. Even if you do not have coverage elsewhere, you can still refuse to join the employer's plan.
As many consumers already know, health insurance providers are less likely to insure people with preexisting conditions. If you have been diagnosed with heart disease in the past, it may be extremely difficult to obtain health insurance quotes. After being denied coverage from several providers, you may want to apply for a guaranteed issue insurance policy. These policies are designed to cover consumers with preexisting conditions. The downside is that most guaranteed policies will not cover costs associated the condition for a certain period after purchasing the policy. Fortunately, once the wait period is up, the guaranteed policy will begin offering more complete coverage.
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