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.

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"The American people already know exactly what the President's health care plans mean in their lives: higher costs, worse coverage and the end of lifesaving protections for people with pre-existing conditions," Pelosi said in a statement, The Hill reported.

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Acting White House chief of staff Mick Mulvaney argued Sunday that the Trump administration does, in fact, support protections for those with pre-existing conditions.

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The bottom line is that the ACA, including its protections for folks with pre-existing conditions, may very well be in jeopardy if Chief Justice Roberts views the ACA as fundamentally different now that the financial penalties for not having health insurance are gone.

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"These plans are not required to cover pre-existing conditions. The only coverage that guarantees that protection is the Affordable Care Act.

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Harrington and other Democrats point to things like Sessions earlier this month introducing a non-binding resolution to protect people with pre-existing conditions -- a provision at the heart of Democrats' health care messaging this cycle.

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have pre-existing conditions. Of those, many apply for private individual or group short-term disability benefits - or - wait and apply for long-term disability benefits based on claims for physical or psychological injuries or illnesses.

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Additionally, the Trump administration is siding with Texas Attorney General Ken Paxton in a case that seeks to declare protections for those with pre-existing conditions to be unconstitutional.

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"Everybody I know in the Senate, everybody is in favor of maintaining coverage for pre-existing conditions," Senate Majority Leader Mitch McConnell, a Republican from Kentucky, said Tuesday.

Republican Leaders Undercut Trump AG's Bid to End Pre-Existing Conditions Coverage

The pre-existing conditions part should be the first section to get thrown out.

AHCA pre-existing conditions provision bad for Arkansas

Among the modifications that passed the House a few weeks later was a provision allowing states to waive the federal protection for people with pre-existing conditions. Insurance companies in those states would be able to place those people - who make up an (http://kff.org/health-reform/issue-brief/pre-existing-conditions-and-medical-underwriting-in-the-individual-insurance-market-prior-to-the-aca/) estimated 27 percent of American adults under age 65 - into high-risk pools with yearly premiums of what an (http://blog.aarp.org/2017/04/27/state-high-risk-pools-failed-consumers-in-the-past-and-theyd-fail-them-again/) AARP report projected could reach $25,700 by 2019.

The Insurance Industry Spent Millions To Lobby Over Pre-Existing Conditions

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.

Weighty matters: implications for repeal of the affordable care act: based on current trends, obesity-related medical costs could increase to $256 billion by 2030