From my personal expierience, yes it is. I found out I had genital herpes in April and I had health insurance, but lost my job a week later and the insurance was dropped. Now that its August, I tried to get health insurance with FL BCBS and after I paid them (conveniently), they sent me a letter saying they can't cover me due to a pre existing condition. The only "condition" I have is genital herpes. So I would tell you yes they do.
Yes, a heart stent can be considered a preexisting condition, particularly in the context of health insurance. Preexisting conditions refer to medical issues that existed before obtaining a new health insurance policy. If you have had a heart stent placed prior to applying for insurance, it may affect coverage options and premiums. However, specific definitions and implications can vary between insurance providers and policies.
Yes, cataracts are generally considered a preexisting condition. This means that if an individual has been diagnosed with cataracts before applying for certain types of insurance or undergoing specific medical treatments, it may affect coverage options or costs. Insurance providers often take preexisting conditions into account when determining eligibility and premiums.
Any medical condition that happens prior to you applying for the medical insurance is going to be considered a pre-existing condition. If you're applying for individual insurance, most likely the condition will not be covered but possibly medication for the condition would be covered. If you're applying for group insurance, you can check with the benefits administrator at your job to see how pre-existing conditions are covered in the policy, reason being because individual and group policies differ in coverage.
You are thinking that some conditions are considered "pre-existing" and others are not. That's not it. Did you already have the condition before, say, applying for insurance? That's the idea of pre-existing.
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.
If you are applying for health insurance, and already have the injury, then yes, it is considered a pre-existing condition. There are, however, some instances in which it may still be covered. It just depends on each company's underwriting policies.
Yes, it will be pre-existing. Probably what will happen is the insurance comapny will place a "rider" on your back. The rider will exclude coverage for any condition related to your back, and may even list specific areas of the back that would not be covered for any future complications. Some companies will still pay for the medication (if any).
Just like any other condition. It is pre-existing if it was diagnosed prior to applying for the insurance.
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.
Absolutely yes. Any prior diagnosis of Crohns disease would effect your eligibility for health or life insurance.
If one was applying for health insurance and had to list existing conditions and ADHD had been diagnosed prior to the application it would be pre-existing. If it was diagnosed after the application and after the insurance is in place it would not be considered pre-existing, even if it did exist, so long as it had not been diagnosed by a doctor. Subject to change by someone that really knows!
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