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If you were treated for a condition in April and got insurance coverage in May would a claim for treatment in October be a pre-existing condition?

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2015-07-16 18:10:02
2015-07-16 18:10:02

Propably. Did you have prior insurance? For more info see http://www.steveshorr.com/technical_questions.htm and scroll down the page

Depends on the diagnosis: broken arm? No .... allergies? Yes.

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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.

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"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.

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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

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

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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.

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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.

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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.

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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.

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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

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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.

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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

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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.

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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.

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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.

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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.

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

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== == 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,

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

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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.

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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.

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Check the definition in YOUR policy. West's Ann.Cal.Ins.Code ? 10700 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. The important thing is to list it on the application, if and where asked -

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According to any insurance company the answer is "YES", and they will that to their advantage to deny coverage. Regardless, if there is an existing problem or condition that warrants treatment or if whether you've gone your whole life with them without any medical implication. If they were discovered under routine exam and noted in your medical history, even though never treated, you can be guaranteed a black check by your name and instant denial to insurance coverage. What is deeply disturbing is that doctors have incentive from insurance companies to perform fibroid surgeries, so treatment/surgery is encouraged, even if not necessary. And, simply due to the resulting high volumes of fibroid treatment/surgeries that places them in the high risk category. So, thank you Ob-gyn next time through for contributing to blocking your access to health insurance. But you may want to wait until you're off the exam table!

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cataract eye surgery is covered under health insurance, in most of the cases.. The coverage will not hold valid if it is pre-existing condition, prior to getting policy.

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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.


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