Does Health Insurance Cover Pre-Existing Medical Conditions?

If you have pre-existing medical conditions, the last thing you want to worry about is how to get a health coverage plan. Insurers are not allowed to reject people with pre-existing medical conditions. This post will discuss what it means to cover pre-existing conditions.

What Is A Pre-Existing Medical Condition?

Pre-existing conditions are health problems and medical conditions you had before your health insurance coverage started. Common examples of pre-existing medical conditions include:

  • Stroke
  • Lupus
  • Cancer
  • Hepatitis C
  • Paraplegia
  • Hemophilia
  • Paralysis
  • Diabetes
  • Cerebral palsy
  • Heart disease
  • Gender dysphoria
  • Mental health disorders
  • Dementia and Alzheimer’s
  • Pending surgery or hospitalization

Are Pre-Existing Conditions Still Covered?

Insurance companies cannot deny you based on a pre-existing medical condition. In fact, it’s illegal for insurers to charge you more money just because of a pre-existing issue. However, each insurance company has ways to set its prices and decide its coverage, so just because your plan covers something doesn’t mean it will be free.

Can I Get Coverage With A Pre-Existing Medical Condition?

Before the passage of the 2010 Affordable Care Act, insurance companies could reject coverage for the pre-existing condition(s); refuse the applications for health insurance from people with pre-existing conditions, or charge higher premiums to insure people with pre-existing conditions. Today, you can get health insurance coverage if you have a pre-existing medical condition. Under present law, insurance companies cannot deny health insurance coverage due to pre-existing medical conditions or charge higher premiums.

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