0
If you have to provide medical ins for your ex who has an existing medical condition where can you get the best most cost effective coverage?
Wiki User
∙ 15y ago
You're probably NOT required to get her the coverage, but to pay the premiums. You also have a problem with HIPAA Privacy in that she doesn't have to tell you what her medical problems are, nor can you sign the application for her. You may be able to get coverage, without any problems. Then you just have to worry about how long the waiting period is. If she had prior coverage in the last 63 days that coverage applies to the new waiting period.
Wiki User
∙ 15y ago
Add your answer:
Earn +20 pts
Can you be denied medical coverage for a pre-existing condition?
In certain situations, yes. Medical coverage is not a guarantee, and insurers can eliminate applicants due to pre-existing conditions.
Is ulcerative colitis a pre-existing condition?
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.
What is aetna's definition of pre existing condition?
What are pre-existing conditions and how do they impact coverage? A pre-existing condition is a health condition (other than a pregnancy) or medical problem that was diagnosed or treated during a specified timeframe prior to enrollment in a new health plan. Some pre-existing conditions may be excluded from coverage during a specified timeframe after the effective date of coverage in a new health plan. Plan documents will provide specific information on pre-existing conditions.The Health Insurance Portability and Accountability Act of 1996 (HIPAA) helps to protect millions of Americans and their families who have pre-existing medical conditions or who might suffer discrimination in health coverage based on factors relating to their health.http://www.aetna.com/members/faq_healthplan.html#12
What is pre-existing condition?
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.
What is a preexisting condition?
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.
Does insurance cover preexisting conditions?
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.
17 In a health insurance policy a statement that an applicant won't be covered for a certain pre-existing condition is called a?
major medical coverage
If you are covered under your spouses insurance and get a job that provides insurance with no lapse in coverage is any medical condition you have considered pre-existing?
No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.
What is the best medical supplemental insurance?
The amount and type of insurance coverage should be determined by your age and existing or future medical condition. Insurers are rated by the company called Bests Rating Service.
Is preexisting the correct spelling?
"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.
Is being pregnant considered a pre-existing condition in state of Virginia?
The simple answer is YES. If you are currently pregnant or the expected father you have a pre-existing condition according to health insurance companies. If you are currently pregnant and do not have medical coverage. You should check into a state program to help you.
What is the difference between medically underwritten and guaranteed coverage?
Medically underwritten coverage requires a questionaire, in which case pre-existing conditions may not be covered. Guaranteed issue is like an "existing medical condition blind" policy. It may have less coverage, and cost more, because the insurer is taking a bigger chance on the individual applicant.
