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 ?
James Rohack said that the legislation would do many good things, such as improve health by expanding coverage to millions of uninsured Americans, eliminate denials based on preexisting conditions, provide bonus payments to primary care physicians and general surgeons, and fund pilot projects on ways to resolve medical liability claims.
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In adults with complications or preexisting conditions.
Congress would set the guidelines to ensure adequate coverage and requirements covering preexisting conditions would stay in place.
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But we must replace Obamacare with something which fulfills President Trumps campaign pledges to maintain coverage, protect those with preexisting conditions, and lower premiums without mandates.
If Trumpcare passes the Senate and becomes law, at least 24 million Americans would lose their health coverage and insurance companies would once again be allowed to charge people with preexisting conditions unaffordable prices for their insurance plans.
This legislation sets us on a path to the bad old days when insurance companies could refuse coverage to those with preexisting conditions and deny people health benefits that should be in every plan like ?
The bill would strip protections from millions of people with preexisting conditions, including 2.
Senator Bob Menendez decried todays vote by House Republicans to repeal the Affordable Care Act, no longer guarantee coverage for those with preexisting conditions, gut Medicaid, impose age and maternity taxes, defund Planned Parenthood, and cause millions of Americans to lose their insurance.
Despite bipartisan opposition, deep cuts to Medicaid, and changes to the bill that would eviscerate protections for Americans with preexisting conditions and send health care costs skyrocketing for tens of millions of Americans, including some with employer-provided coverage, the House passed the bill this afternoon, sending it to the Senate for consideration.