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 ?
1010, which protects people with preexisting conditions by overturning a Trump Administration rule that expanded junk health-care plans.
The bill would also shore up coverage for people with preexisting conditions, coming after the Trump administration last year allowed states to use an ACA provision to weaken or eliminate protections, APHA said.
According to the new Health Insurance Law for Dubai (Insurance Law No.11), Under the Essential Benefits Plan (EBP) there is six months waiting period for preexisting conditions, covered subject to policy terms and conditions.
According to the Kaiser Family Foundation, a huge number of people -- more than a quarter of non-elderly Americans -- have preexisting conditions of the sort that would have led insurers to deny them coverage had the ACA not gone into effect.
Republicans primarily lost the House of Representatives in the midterms because their Democratic opponents convinced the public they wanted to take away their health benefits, and particularly the feature of coverage for preexisting conditions.
If Republican state attorneys general prevail in their legal bid to overturn the Affordable Care Act, patients with preexisting conditions will lose their coverage protections, and an additional 24 million Americans could become uninsured, according to testimony presented at a February hearing of the House Energy and Commerce Health Subcommittee.
More than 70% said the federal government would find ways to defund the ACA, but 60% believe that it will remain in place and almost 70% said that coverage for preexisting conditions will continue, InCrowd reported.
This edition adds new material on professional preparation and career potential; documentation, recordkeeping, and electronic entry tracking systems; the development and design of an athletic training facility; fiscal management and equipment ordering; analysis of preexisting conditions and preparticipation exams; basic diagnostic tests, including X-rays, ultrasounds, and drug screening tests; computer applications; the budgeting and purchasing process; inventory maintenance; maintenance of modalities; assessment of injuries; mental and dental health; and ethics for sports medicine professionals.
While some Americans embraced the ACA as a vehicle for them to get insurance and for its various protections, namely the provision against preexisting conditions, some Americans, including Republicans in Congress, viewed Obamacare as too close to socialized medicine.
They were admitted mainly due to respiratory problems arising from preexisting conditions.
with preexisting conditions, according to a Kaiser Family Foundation