What is the difference between existing and pre-existing?
Asked by: Prof. Dedric Bergnaum V | Last update: January 11, 2026Score: 4.7/5 (23 votes)
What pre-existing conditions are not covered?
Is there health insurance for pre-existing conditions? Choosing a health plan is no longer based on the concept of a pre-existing condition. A health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment.
How long ago is a pre-existing condition?
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'.
What is the meaning of preexisting or pre-existing?
preexisting. adjective. pre·ex·ist·ing ˌprē-ig-ˈzi-stiŋ variants or pre-existing. : existing or present earlier or before a certain point of time.
How long is a condition considered pre-existing?
The length of time before the start date of coverage during which a condition would be considered pre-existing varies, and can be anywhere from 30 days to 6 months or longer.
What Is a Pre-existing Condition?
How do insurance companies know if you have a pre-existing condition?
To determine if a condition is pre-existing, insurers examine medical history, treatment records, and diagnosis reports. They may use “look-back periods,” which are specific timeframes—typically six months to a year before coverage begins—to review medical history.
What counts as a pre-existing condition?
A pre-existing condition is any condition you had before your policy started. A chronic condition is something that is on-going and that has no known cure. Asthma, arthritis and diabetes are examples of chronic conditions. Most health insurance doesn't cover pre-existing or chronic conditions.
Is existing and pre-existing the same?
Suppose you've had diabetes for three years, and you want to switch to another health insurance policy. Do you have an “existing condition” or a “pre-existing” condition? They're the same thing.
What is the difference between existing and preexisting?
Existing is a certain thing that is present nowadays and can be seen in present time. Preexisting refers to something that has existed a long time ago, and forgotten, and has existed once more in our present time.
What is the meaning of existing existing?
(ɪgzɪstɪŋ ) adjective [ADJECTIVE noun] B2. Existing is used to describe something which is now present, available, or in operation, especially when you are contrasting it with something which is planned for the future.
Can you get life insurance if you have a pre-existing condition?
Can people with pre-existing conditions qualify for life insurance? People with pre-existing conditions can still qualify for various life insurance policies. However, they may pay more in premiums because personal health history is a key factor that insurers use to calculate rates.
What makes a condition pre-existing?
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 pre-existing condition?
Insurers generally define what constitutes a pre-existing condition. Some are obvious, like currently having heart disease or cancer. Others are less so – such has having asthma or high blood pressure.
Can Medicare refuse to cover pre-existing conditions?
Yes. Medicare Advantage (MA) plans won't reject your enrollment if you have a preexisting condition.
Is arthritis a pre-existing condition?
Examples of pre-existing conditions include: Chronic diseases (hypertension, heart disease, chronic obstructive pulmonary disease (COPD)) Mental health disorders (depression, anxiety, PTSD) Autoimmune diseases (rheumatoid arthritis, multiple sclerosis (MS), Crohn's disease)
What surgeries are not covered by insurance?
Cosmetic procedures such as plastic surgery or vein removal are nearly always considered elective and so are not covered. Fertility treatments are only covered in certain states, and even then, there are loopholes that allow insurers to deny coverage.
What is the waiting period for pre-existing disease?
Almost all health insurance plans cover pre-existing diseases after a waiting period of usually 2 to 3 years. This implies that any hospitalization expenses related to the declared ailments can be claimed only after 2 to 3 successful years with the insurer.
What is pre-existing in simple words?
existing at an earlier time; existing before something else The insurance does not cover preexisting medical conditions.
What is an example of existing?
Something that's real can be said to exist, or to be existing. The existing laws in your state are the ones that are actually on the books, and your existing friends are the ones you really have, and who are all alive and well.
How long is a pre-existing condition?
They may also speak to your doctor. We don't normally cover pre-existing conditions, which is any disease, illness, or injury you've had symptoms, medication, tests, treatment or advice for in the five years before you take out cover.
Are blood clots a preexisting condition?
Certain people are genetically disposed to blood clots, putting them at higher risk of a pulmonary embolism, so a family history can help your doctor identify the issue. Additionally, preexisting conditions like heart disease, interstitial lung disease, COVID-19, or many forms of cancers can make clotting more likely.
Why doesn't insurance cover pre-existing conditions?
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.
How far back does pre-existing condition last?
A group health plan can count as pre-existing conditions only those conditions for which you actually received (or were recommended to receive) a diagnosis, treatment or medical advice within the 6 months immediately before you joined that plan. This period is known as the “look back” period.
Is anxiety a pre-existing condition?
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.
Is acid reflux considered a pre-existing condition?
Is reflux really a pre-existing medical condition? The simple answer is yes.