Preexisting condition

Also found in: Medical.

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 ?
I, like 300,000 other Illinoisans, will now live with a preexisting condition for life.
"On healthcare, we have the highest uninsured rate in the country; we have 20 percent of people in Dallas County who don't have insurance; we have 330,000 people in the district who have a preexisting condition," Allred said.
preexisting condition protection was most or very important, followed by
A man has been accused in court of causing serious injury to a 15-year-old passenger in his car on the M74 by driving dangerously knowing he had a preexisting condition which caused him to lose consciousness.
'On the preexisting condition, background, and autopsy, the family has not released any statement,' the DOTr said.
I also think that the difficulty faced by a malpractice claimant in a Gooding-type case can be addressed by the doctrine of aggravation of a preexisting condition.
Yet others argue that the problem is with the truth itself: The other side lies, and because the good guys are always too honest, they always lose, a preexisting condition they can undo only if they learn to fib boldly.
Workers' Comp: A group of female workers and the Service Employees International Union California State Council has filed a class-action lawsuit against California's acting administrative director of the division of workers' compensation for alleged systemic gender discrimination, claiming the system treats women's gender as a preexisting condition.
Argos insisted a preexisting condition was to blame for the allergies he was suffering and rejected the claim.
1/You can't be turned down for health insurance--even if you have a preexisting condition.
Insurers are prohibited only from denying coverage altogether for a preexisting condition. Pre-ACA law and regulations also provided no premium protections for persons moving between individual insurance policies.
Conover and Ellig focus on implementation of eight major PPACA regulations that were issued as interim final rules in 2010, including the Coverage of Preventive Services, Medical loss Ratio Requirements and Preexisting Condition Insurance Plan regulations.