What counts as a pre-existing medical condition?
Asked by: Orland Champlin | Last update: March 10, 2023Score: 4.1/5 (59 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 are pre-existing conditions exclusions?
The pre-existing condition exclusion period is a health insurance provision that limits or excludes benefits for a period of time. The determination is based on the policyholder having a medical condition prior to enrolling in a health plan.
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.
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 "Pre Existing Medical Condition" Mean
Is high blood pressure a pre-existing medical condition?
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.
How do you know if you have a pre-existing condition?
A pre-existing condition is a health problem you had before the date that your new health coverage starts. Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.
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.
Is diabetes 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.
Can you be denied life insurance for high cholesterol?
Because high cholesterol can put you at risk for heart attacks and strokes, two of the leading causes of death in the U.S., insurance companies consider it a risk factor. If your cholesterol is particularly high, not well controlled with medication or if you have other health issues, you might even be denied coverage.
Can insurance companies discriminate against pre-existing conditions?
Yes. 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 example of pre-existing conditions?
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.
Is it a pre-existing condition if it hasn't been diagnosed?
Conditions that have not been diagnosed or treated yet can still be considered pre-existing conditions.
Is acid reflux considered a pre-existing condition?
Reflux is often a side effect of medication that is prescribed to treat heart conditions such as atrial fibrillation or heart failure. Is reflux really a pre-existing medical condition? The simple answer is yes.
Do you have to tell car insurance about high blood pressure?
If you fail to tell your provider about any medical conditions that impact your ability to drive safely and you need to make a claim, it could invalidate your insurance.
Is high blood pressure considered a heart condition for travel insurance?
Whilst having high blood pressure is a common condition, you need to declare this to your insurer to make sure you are fully covered for anything that could be directly or indirectly related such as heart conditions or strokes.
Is high blood pressure a heart condition for insurance?
Living with high blood pressure significantly increases the risk for heart disease and stroke, which makes those with this condition a greater risk to insure. However, as long as you're managing your condition with medication and diet, you will likely be able to find life insurance coverage.
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 asthma a pre-existing condition?
Pre-existing conditions are chronic health problems (like asthma, diabetes, or cancer) that you had before your healthcare coverage began.
Is diarrhea a pre-existing condition?
Here are some examples of common curable pre-existing conditions: Vomiting or diarrhea.
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.
What is a 12 month pre-existing condition limitation?
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.
What will disqualify you from life insurance?
Their reasons could be anything from a serious medical condition (like heart disease) or poor results from your life insurance medical exam to nonmedical reasons like bankruptcy, a criminal record, a positive drug test or even a dangerous hobby.
Is 210 total cholesterol high?
In adults, total cholesterol levels less than 200 milligrams per deciliter (mg/dL) are considered healthy. A reading between 200 and 239 mg/dL is borderline high. A reading of 240 mg/dL and above is considered high.