Health Insurance Pre Existing Conditions

Health insurance and pre existing conditions.

Health insurance pre existing conditions. Before 2014 some insurance policies would not cover expenses due to pre existing conditions. Prior to 2014 when the affordable care act went into effect health insurance companies were loosely regulated. There are some insurance companies which consider an individual s health condition throughout the years and there are others who only look at the last few years preferably the last four years medical records.

It can be chronic conditions such as asthma diabetes allergies or illnesses that are being treated or even have already been cured. In the context of healthcare in the united states a pre existing condition is a medical condition that started before a person s health insurance went into effect. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers.

Before getting started it s a good idea to have a background on the relationship between health insurance and pre existing conditions. A pre existing condition is a medical condition or illness that exists before the purchase of your insurance policy. To understand why pre existing medical conditions can be so problematic we can look at how this issue is defined by insurance companies as well as understanding the strict definition of insurance.

A pre existing condition is a health problem that exists before you apply for a health insurance policy or enroll in a new health plan. Pre existing medical conditions are one of the biggest concerns in relation to any global medical insurance policy. Different insurers have different policies.

Under the affordable care act health insurance companies cannot refuse to cover you because of any pre existing. Examples of pre existing conditions include cancer asthma diabetes or even being pregnant. Meaning they were able to do whatever they.

Many americans have health related problems that insurance companies can define as pre existing conditions. Pre existing conditions are medical conditions and health problems that occurred before the start date of your health insurance coverage.