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Ever since the passage of the Patient Protection and Affordable Care Act, people with pre-existing conditions cannot be barred from service. That means those with Heart disease, cardiovascular disease, and heart conditions cannot be barred from service. Don't be afraid to use an insurance broker to help you find the best plan. You can go through the National Association of Insurance Underwriters or the National Association of Insurance Commissioners to find a credentialed broker that you can trust to help you. There are several reputable brokers out there that can really help you.
What else can I help you with?
If a patient is diagnosed with a disease before the effective date of the insurance plan is?
preexisting condition
Is an ovarian cyst considered a preexisting condition if it has dissolved on its own months prior to being enrolled in an insurance plan?
An ovarian cyst would not be considered a pre existing condition. You should have no problem getting an insurance plan.
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.
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.
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"
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
Can your company be penalized for a pre existing condition you do not list on your application for group health insurance?
Presumably in this context it is your employer providing you with health insurance.It is not that your company would be penalized, it is that the insurance company would refuse to pay for treatment of the preexisting condition. They set rates according to the known health of their pool of insured people. But upon signing up for your company's insurance plan you failed to divulge a known condition, and signed the statement saying you were giving the insurance company an accurate statement of your health, so you lied to them (aka committed fraud). That generally voids your policy.Check the particular wording of your own insurance policy regarding preexisting conditions.
If you lost a job that had no medical insurance would a job that your 5 month pregnant wife is about to start be covered?
More and more insurances are beginning to cover pregnancy that is pre-existing. The only way to find out for sure is ask the insurance or the company that she is going to work for should have someone that knows the insurance plans. * In a group insurance plan, pregnancy cannot be considered a preexisting condition. Here is a link to the federal law. http://mtnhealthinsurance.com/index.php?pageName=sec300gg
If you are pregnant but getting married will your husband's insurance cover the pregnancy after you get married?
Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=480021 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby).
Is pregnancy a pre existing condition when enrolling in a group insurance plan?
NO! If you are having any trouble with group insurance and a pregnancy not being covered, contact your insurance commissioner's office IMMEDIATELY! Here's the deal: Under HIPAA (Health Insurance Portability & Accountability Act of 1996) GROUP insurance plans CANNOT by law consider pregnancy pre-existing. For example, if your husband is working at a job for several years, and has never added you to their group insurance plan and then you find out you are pregnant, the plan MUST allow you to be covered during their open enrollment. If they do not, CALL THE INSURANCE COMMISSIONER! REFERENCE: "Moreover, under HIPAA, preexisting condition exclusions cannot be applied to pregnancy, regardless of whether the woman had previous health coverage." from http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html However, if you are on an individual health plan, this is all out the window. Be prepared for the insurance company to fight like mad if you've bought the plan within the last 12 months, they will attempt to get out of covering everything. Don't be afraid to contact your insurance commissioner and file complaints, it will lead to you getting what you deserve via the law, you are protected by it, so take advantage!
Is pregnancy considered a preexisting condition if you move from a group insurance plan with a Mexican insurer to an American small business group insurance plan?
CA AB 1672 aka Insurance Code 10700 et seq - see the term ELSEWHERE below (r) "Creditable coverage" means: (1) Any individual or group policy, contract, or program, that is written or administered by a disability insurer, health care service plan, fraternal benefits society, self-insured employer plan, or any other entity, in this state or elsewhere, and that arranges or provides medical, hospital, and surgical coverage not designed to supplement other private or governmental plans.
Can I benefit from my husbands pre-existing condition insurance plan?
Usually people do not benefit from having a pre-existing condition. Insurance companies use this to deny benefits to those applying. Not sure how this would be good.
