What are examples of pre-existing conditions?
Asked by: Jerrod Muller | Last update: November 29, 2022Score: 4.6/5 (51 votes)
A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.
What is considered a pre-existing medical condition?
As defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. A pre-existing condition could be known to the person – for example, if she knows she is pregnant already.
What pre-existing conditions are not covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Is arthritis a pre-existing condition?
Arthritis is generally considered pre-existing medical condition. This doesn't necessarily mean you can't get travel insurance, but you do need to disclose your condition before you book your cover. With arthritis, you'll need to declare your specific type of arthritis whether it's osteo, rheumatoid, or psoriatic.
Is High Cholesterol a pre-existing condition?
High cholesterol as diagnosed by a physician is considered to be a pre-existing condition by most - if not all - travel insurers.
What is a Pre existing Condition ?
How do I know if I have a pre-existing condition?
A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.
What is the difference between existing and pre-existing?
A. You can use pre- in ways that are redundant, but it's a valid prefix, and preexisting has its own meaning. For instance, if you want to describe dinosaurs in relation to humans, existing doesn't work, but preexisting does.
Is depression considered a pre-existing condition?
In health insurance terms, depression is a pre-existing condition if you have seen a provider for it or been diagnosed with it during a specified period of time before you sign up for a new health plan.
Is anxiety a pre-existing condition for insurance?
Standard travel insurance tends to exclude cover for pre-existing medical conditions, and this can include anxiety. If you have been diagnosed with any anxiety disorder, you will need to disclose it when applying for travel insurance to ensure that you are covered for your trip.
Can I be denied health insurance because of a pre-existing condition?
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.
How do insurance companies determine pre-existing conditions?
Prior automobile accidents, including how many, when, the severity of the impact and the exact injuries sustained and/or treated medically. Prior slip and fall accident(s) Prior workers' compensation claims, accidents or injuries. Prior sports injuries.
What does it mean by pre-existing?
Definition of preexisting
: existing at an earlier time a preexisting medical condition.
What's another word for pre-existing?
Pre-existing synonyms
Existing previously. Already in existence before (something else).
Is a herniated disc a pre-existing condition?
It's not uncommon for us to see insurance companies fighting personal injury claims that involve a herniated disc from a car accident. They will fight your claim by saying your condition was pre-existing, basically meaning that your herniated disc came from the natural aging process, not an auto accident.
Is a cold a pre-existing condition?
What is a pre-existing condition? Well, any health condition that a doctor has previously diagnosed you with prior to your health plan taking effect is considered “preexisting.” This could mean essentially anything, from a simple cold to an active cancer.
Is asthma a pre-existing condition?
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
Is high blood pressure considered a preexisting condition for travel insurance?
The quick answer to this question is: yes! You should always tell your insurer about your high blood pressure, even if it's being well-managed through medication. High blood pressure is considered to be a 'pre-existing medical condition' by insurers.
What is the opposite of pre existing?
Antonyms & Near Antonyms for preexisting. advanced, late.
What is a word for already existing?
pre-existing
existing previously or before something.
What medical conditions do you have to declare for travel insurance?
...
- Symptoms.
- Treatment/medication.
- Investigation.
- Medical appointments.
- Follow-ups.
- Check-ups.
- Surgery.
What medical conditions prevent you from getting life insurance?
Due to the added risk health problems create for insurers, some pre-existing conditions can raise your premium or even disqualify you entirely from certain types of life insurance. A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma.
What can disqualify you from getting life insurance?
- The death happened during the contestability period. ...
- The type of death wasn't covered in the policy. ...
- You failed to disclose relevant personal information. ...
- You failed to keep up with policy premiums.
Is diabetes a pre-existing medical condition?
An illness or injury experienced before enrollment in a health insurance plan may be considered a pre-existing condition. Pre-existing conditions can include health issues such as cancer, diabetes, lupus, depression, acne, pregnancy, or just about any other health condition you can imagine.
What is waiting period for pre-existing medical conditions?
Types of Waiting Period in Health Insurance
Almost all health insurance plans cover pre-existing diseases after a waiting period of usually 2 to 4 years. This implies that any hospitalization expenses related to the declared ailments can be claimed only after 4 successful years with the insurer.
What happens if you don't have health insurance and you go to the hospital?
However, if you don't have health insurance, you will be billed for all medical services, which may include doctor fees, hospital and medical costs, and specialists' payments. Without an insurer to absorb some or even most of those costs, the bills can increase exponentially.