Preexisting condition

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Preexisting Condition

In insurance, a medical condition that existed before one applied for and/or received a health insurance policy. Most private health insurance companies refuse to cover preexisting conditions, at least for a certain period of time. Depending on the severity of the preexisting condition, a provider may refuse to provide health insurance at all. However, employer-provided health insurance must cover preexisting conditions if an employee switches insurance plans as the result of a job change.

Preexisting condition.

A preexisting condition is a health problem that you already have when you apply for insurance.

If you have a preexisting condition, an insurer can refuse to cover treatment connected to that problem for a period of time. That period is often the first six months, but may be for the entire term of your policy.

Insurers can also deny you coverage entirely because of a preexisting condition. And they can end a policy if they discover a preexisting condition that you did not report, provided you knew it existed when you applied for your policy.

However, if you're insured through your employer's plan and switch to a job that also provides health insurance, the new plan must cover you regardless of a preexisting condition.

References in periodicals archive ?
Insuring your pet as a puppy or kitten does have benefits-it is often less expensive and more likely that a pre-existing condition will not already exist.
Even the most ardent Obamacare detractors admit that they like the part of the law that allows Americans with pre-existing conditions access to healthcare (before Obamacare a pre-existing condition meant insurance companies could deny you coverage).
some of the PDSs did not make it clear that pet insurance generally excludes cover for pre-existing conditions that occurred prior to the purchase of pet insurance, even if the pre-existing condition last resulted in symptoms or treatment many years beforehand, and
Pre-Existing Condition investigates destruction and healing within the body and the terrors and pleasures of embodiment.
According to NHS, the Affordable Care Act is giving Americans better value for their health insurance plans by eliminating lifetime dollar caps on essential 'health benefits and phasing out annual caps; prohibiting health insurance companies from denying coverage to children based on a pre-existing condition, as well as making it illegal for companies to deny anyone coverage because of a pre-existing condition starting in 2014; and making it illegal for an insurer to charge women more simply because they are women.
However, it is a direction worth considering since insurance companies can apply this learning to reassess the pre-existing condition population and create a whole new market.
I don't want them to be denied insurance because they've got some pre-existing condition.
Insurers will classify conditions such as mild asthma or high blood pressure in this category and travellers need to purchase adequate insurance if they, or anyone in their party, suffer from a pre-existing condition.
This would mean that as of January 1, 2014, college health plans could not deny students coverage because of a pre-existing condition.
A 40% premium cut and simpler enrollment procedures are two changes the federal government is employing to increase enrollment in the Pre-Existing Condition Insurance Plan, Health and Human Services Secretary Kathleen Sebelius said at a press briefing.
That is the amount of money allocated in the Affordable Care Act (ACA) to serve as bridge funding for persons who have been denied healthcare insurance due to a PRE-EXISTING CONDITION.
Although the recently enacted health care reform bill calls for a ban on pre-existing condition limitations by 2014, that still leaves less-than-healthy consumers up in the air on coverage for the next three to four years.