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 ?
Those include people with preexisting conditions and young adults up to age 26, who can stay on their parents' insurance plans.
The proposal keeps two of the most popular PPACA provisions: the protections for consumers with preexisting conditions and the rule allowing young adults to stay on their parent's plans until age 26.
Of course, there are some horses that are subject to certain preexisting conditions, such as chronic laminitis, navicular syndrome, or osteoarthritis that will contradict this theory and may need to be revisited by a farrier more frequently.
Originally, the concessionaire had an authorization to fulfill the preexisting conditions and start work on July 24.
Don't Assume Preexisting Conditions Mean you Won't Succeed C Too often, victims of negligence fail to pursue justice because they assume that a preexisting medical condition will preclude them for winning their case.
As these two groups--one with higher than average claims costs due to their preexisting conditions, and the other with below market premiums due to subsidies--enter the insured roles, these costs will be passed through to the population that does not qualify for subsidies.
People with chronic illnesses or other preexisting conditions have a much harder time of getting health insurance," Hoffman says.
With only about a year to go before the major elements of the Affordable Care Act take effect, federal health officials have released details on how health plans must cover individuals with preexisting conditions, as well as what types of health plans can be offered in state insurance exchanges.
With only about a year to go before the major elements of the Affordable Care Act take effect, federal health officials released details on how health plans must cover individuals with preexisting conditions, as well as what types of health plans can be offered in state insurance exchanges.
WASHINGTON (Reuters) - President Barack Obama's administration on Tuesday formally proposed new rules requiring insurers to cover people with preexisting conditions and set minimum health benefits to millions of others under U.
In addition, insurers are prohibited from excluding preexisting conditions for children under age 19 and, starting in 2014, will be prohibited from discriminating against any individual based on a preexisting medical condition.
Organized by body system (reorganized from head to toe), they progress from easy to difficult, and each has a table of variables encountered in practice, such as gender, age, setting, ethnicity, preexisting conditions, and cultural, pharmacologic, legal, ethical, and other considerations.