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
- AIDS/HIV
- 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.
