The pre-existing condition
provision barred payment of benefits for disability due to any sickness for which the employee received medical care during the 90-day look-back period before the effective date of coverage.
The ACA prevents health insurance companies from: 1) denying someone health insurance because they have a pre-existing condition
called the "guaranteed issue" requirement; 2) refusing to cover services that people need to treat a pre-existing condition
called "pre-existing condition
exclusions"; and 3) charging a higher premium based on a person's health status called the "community rating" provision.
"These plans are not required to cover pre-existing conditions
. The only coverage that guarantees that protection is the Affordable Care Act.
Nationally, 40 percent of Americans age 50 to 64 have a pre-existing condition
. Arkansas would be hit especially hard as 52 percent of Arkansans ages 50 to 64 have a pre-existing condition
An International Business Times review of federal records shows that America's Health Insurance Plans (AHIP) listed the pre-existing condition
issue on disclosure forms documenting nearly $81 million worth of lobbying since the passage of the ACA.
Before enactment of the Affordable Care Act (ACA), also known as ObamaCare, insurance companies could deny healthcare coverage to people who had pre-existing conditions
. These denials potentially affected a total of 50 million people, including 17 million children.
However, if you think about it, liking the part of Obamacare that eliminates pre-existing conditions
, but being opposed to the mandate does not make any sense.
The goal is to provide an insurance option to people who may be barred from coverage or who have to pay huge surcharges because of a pre-existing condition
such as hypercholesterolemia or cancer.
You may know someone, a citizen of the US or a legal resident of the US, who has been without insurance for more than 6 months, and who is without insurance because of a pre-existing condition
. This insurance coverage is for anyone that meets the criteria above and who has a letter of denial form from his/her insurance company.
"With a counter-offer, someone with a pre-existing condition
who wants a $20 copay and a $500-deductible PPO plan might receive a counter-offer with a $20 copay, but a $5,000 or $10,000 deductible and a 70 percent coinsurance," Karutz said.
So, of course, the one that gained the most notoriety had to do with insurers parsing the bill's fine print and coming up with a justification for not insuring some kids with pre-existing conditions