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cancer or any other terminal disease. not sure about chronic health problems like Diabetes or high blood pressure. From a tactical perspective, any illness that the insurance company has determined will likely cost them more money than they can make on premiums. There are some illnesses that they think are more costly but they can offer coverage profitably if they offer you a higher premium. A quick review of 'Declinable Conditions' (those that will result in an automatic decline under all circumstances) from Blue Cross of CA is about 120 items. There are probably another 100 conditions that they may choose to deny coverage depending on severity. As for the answer above, insulin dependent diabetes is almost always a decline, high blood pressure will generally be declined only if it is uncontrolled.

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โˆ™ 2006-09-10 03:54:56
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Q: What is considered a preexisting medical condition that will likely cause denial of health insurance?
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Is premature birth a preexisting condition?

No, premature birth is not at all a preexisting condition. Premature birth becomes imminent when the doctor thinks the condition of both mother and child would be safe to allow premature birth. In this way it will not be considered as a preexisting condition while applying for Medical insurance.


What is the meaning of pre existing?

Preexisting means something that already exists, or exists before this point. For example a preexisting condition in relation to medical insurance is an illness that you have before you take out the insurance.


If you are informed you need a follow-up medical test shortly after starting on a new insurance plan can the insurance company claim you have a preexisting condition?

Yes, putting prejudice aside, facts are facts. If there is medical documentation from the past showing a condition, that is considered "pre-existing"


Are mamagrams considered pre existing condition?

No, a mammogram is a test used to check for breast cancer, it is not a condition at all. Preexisting conditions are medical conditions you had prior to entering a health plan such as hypertension or diabetes.A mammogram is a test, not a condition as stated. To deny someone medical insurance stating that the mammogram they had was a preexisting condition is just a way these health insurance plans try to reduce the amount they have to pay on claims only wanting you to pay into them.


What do medical insurance companies consider when determining your premium?

Preexisting medical conditions.


What is considered psychiatric preexisting condition?

Most medical conditions that you've been diagnosed with prior to applying for the insurance will be considered pre-existing. If you've been seeing a psychiatrist before or during the application process, it will be considered pre-existing.


What is the medical term meaning preexisting medical condition?

status preexista status praesens ( is the present state, condition)


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.


Are gallstones a preexisting condition?

If you were diagnosed with gallstones prior to applying for insurance, or if you knew you had gallstones during the underwritng process, then it is considered pre-existing. This rule applies to most medical conditions which existed before the application process.


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.


Is infertility considered preexisting?

any medical condition that you received medical treatment, including prescription medications may be considered pre existing depending on the wording of your pre existing clause of your insurance. There must be a valid medical diagnosis attached to your medical services. New insurance companies will pend all claims for new insured and send questionaires to all previous treating physicians to check on reasons for being seen.


How long do you have to wait for a second normal pap smear to obtain medical insurance?

Since the Affordable Care Act ("Obamacare") there are no longer "preexisting condition" restrictions allowed on health insurance. A history of an abnormal pap smear should not affect your ability to get insurance. If it is, contact your state's Department of Insurance for information.

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