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Why don't health insurance companies take pre-existing conditions?
Wiki User
∙ 10y ago
For the same reason that a burning building cannot get a property insurance policy. The health insurers know that a person with a pre-existing condition -- such as Diabetes or Crohn's disease -- will have regular, and likely high costs for medical care. They do not want to have customers whose health problems are already high cost.
In 2014, however, insurers will not be able to refuse customers or to charge them ore based upon their health conditions.
Wiki User
∙ 10y ago
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In Texas can insurance companies reject patients with preexisting conditions?
Any Health Insurance company can reject anyone with a pre existing condition. Look for another Health Insurance company if you are rejected by one.
Does HBA Health Insurance have reasonably priced plans for individuals with preexisting conditions?
HBA Health Insurance will accept your application for health insurance. The price you will receive for you insurance will vary greatly depending on your personal circumstances and what you preexisting conditions are. There is a chance that those conditions will either not be covered or you will be charged a higher rate than one who does not have these conditions.
Can I be denied health insurance due to preexisting medical conditions if my job switches health insurance carriers?
No, because group insurance is normally guaranteed-issue, so they have to insurance no matter what conditions you have.
Is it possible to get health insurance with a preexisting condition?
If you are being offered a health plan through a company there should be no preexisting condition requirements. If you are going through another company when you lost your job there may be problems getting insurance. You should contact different companies to see, but the new health care bill should protect you. This site has more information: http://www.csmonitor.com/USA/Politics/2010/0324/Health-care-reform-bill-101-rules-for-preexisting-conditions
Does health care insurance have to cover preexisting illnesses?
Some Health insurances cover preexisting illness.
How much does Denver health insurance cost?
The cost of Denver health insurance depends on a several factors; sex, age, smoker, body mass index, preexisting conditions and possibly your profession would be the main factors that an underwriter would take in to consideration. Try this site where you can get quotes from different companies usinsurancequote.org
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: 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
Is pregnancy preexisting in group health insurance?
Only if the pregnancy began before the insurance policy.
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.
What is the definition of a preexisting condition?
The diseases which already existed at the time of taking the health insurance policy are attributed as preexisting condition. The Health Insurance Co. is at liberty to cancel your claim forthwith if it is proved that you contacted any such disease after taking the policy.
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.
Will insurance companies be able to charge different rates for individual health insurance based on an applicant's health conditions after 2014?
No, everyone's rates will go up as a result however.
