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They can try and say that, but as far as I know the burden of proof is on them. If you told the truth on the application - they will have to pay.

You might have a condition that the insurance company thinks a reasonalble person would have known that they had.

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โˆ™ 2015-07-15 19:44:24
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Q: If you were fine when you applied for coverage then had some problems but no diagnoses can your insurance say you had a pre-existing condition?
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Related Questions

Does insurance cover foundation repairs?

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.

Is a genetic condition considered a preexisting condition?

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.

Is pregnancy a preexisting condition?

If the pregnancy began before the first date of coverage - yes it is preexisting.

Does preexisting condition apply to prescription coverage?

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.

What are the benefits of getting Gap Medical Insurance?

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.

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.

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

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.

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. Don

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.

Can a new employment health insurance plan give less coverage than the previous one for a preexisting condition?

The new plan must give you credit for your time on the prior plan.

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.

What insurance company will provide medical coverage for a person with lupus?

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.

Can you be denied health insurance due to preexisting medical conditions if your job status becomes permanent and qualify for health insurance?

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.

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 treatment by a chiropractor prior to an insurance start date determine a preexisting condition and how can an insurance company find out about chiropractic treatment prior to being insured?

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

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.

Would multiple sclerosis considered a preexisting condition?

Yes. Depending on your prior coverage, it may or may not be excluded... see links.

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.

Can a person with preexisting illness get health insurance?

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.

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.

How to Get Health Insurance Quotes After Being Diagnosed with Heart Disease?

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.

What are examples of preexisting conditions that can cause health insurance denial?

That depends on the insurance company that you want to get coverage through, you would need to speak to an agent from individual companies that could tell you if you are not eligible for coverage. Note: the agent can not actually deny your coverage, only the underwriters can do that, but most agents should be able to tell you if a particular condition would exclude you from being able to complete their application process. Some examples would be diabetes, severe heart conditions, severe mental illness, cancer ...

What is short term health insurance?

Short term health insurance is for individuals that are between jobs and need coverage for only a short period of time. This is an awesome idea. The problem so many have is the inability to plan ahead. If you get a chronic condition while uninsured you may never get coverage for that condition. You can get very inexpensive short term coverage.

Is high blood pressure that is controlled by medication considered a pre-existing condition?

== == Yes. Check the policy definition. Here's the def. for Small Groups in CA (q) "Preexisting condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. 10708. (a) Preexisting condition provisions of health benefit plans shall not exclude coverage for a period beyond six months following the individual's effective date of coverage and may only relate to conditions for which medical advice, diagnosis, care, or treatment, including the use of prescription medications, was recommended by or received from a licensed health practitioner during the six months immediately preceding the effective date of coverage. (c) In determining whether a preexisting condition provision or a waiting period applies to any person, a plan shall credit the time the person was covered under creditable coverage,