Pre-Existing Conditions (2024)

FAQs

What are preexisting condition responses? ›

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts.

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

How are pre-existing conditions determined? A pre-existing condition is typically when you have received treatment or diagnosis before you enrolled in a new health plan.

If your health plan is fully compliant with the ACA and obtained in either the individual/family market or the employer-sponsored market, you no longer need to worry about pre-existing condition exclusion periods.

A pre-existing medical condition is a disease, illness or injury for which you have received medication, advice or treatment or had any symptoms (whether the condition has been diagnosed or not) in the five years before your joining date. Health insurance doesn't usually cover 'pre-existing conditions'.

The time period during which a health plan won't pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed 12 months for a regular enrollee or 18 months for a late-enrollee.

In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.

Failure to disclose pre-existing conditions not only jeopardizes the chances of successful claims but may also lead to the cancellation of the policy in extreme cases.

Health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

Does a pre-existing condition have to be diagnosed? ›

How are pre-existing conditions determined? A pre-existing condition is a health issue that required diagnosis or treatment prior to an applicants' enrollment in a health plan.

A pre-existing conditions waiver extends your travel medical insurance to include conditions and illnesses present when you enrolled in coverage. This type of coverage is a bit more expensive but can provide you with peace of mind when traveling.

A pre-existing condition is a medical illness or injury that was diagnosed or treated before an accident occurred. Most often, a pre-existing condition refers to chronic or long-term conditions such as arthritis or chronic back pain.

The Affordable Care Act (ACA or “Obamacare”) prohibited pre-existing condition exclusions for all plans beginning January 2014, which was great news for all insurance beneficiaries with pre-existing conditions.

A pre-existing condition is any health problem, like diabetes, or cancer, that you had before the date you applied for insurance. Insurers cannot refuse to cover treatment for your pre-existing condition or charge you more under the ACA.

Something you knew about before you applied for health cover (like a knee injury from football, or a bowel problem you've been waiting to see a specialist about) A condition, sign or symptom you've previously asked a health professional to diagnose or give you advice about.

A pre-existing ailment is a condition that a policyholder has before getting a health insurance policy. According to IRDAI, if you are diagnosed with a health condition 48 months before getting the health insurance policy, it is known as a pre-existing disease.

HIPAA has defined pre-existing conditions to be health issues that have existed, treated of diagnosed within the last 6 months prior to employment.

A preexisting condition is an illness or health condition that existed prior to applying for health or life insurance.