Answers.com > Wiki Answers > Categories > Business & Finance > Insurance > Medical Insurance > How do you determine if you have a 'preexisting condition'?

How do you determine if you have a 'preexisting condition'?

In: Medical Insurance [Edit categories]

Answer:

According to BCBS, if you are still under a doctor's care for a condition and have not been released, it counts as a pre-existing condition. That is what I have found out during my search. What insurance company do you go through? Most places won't cover pre-existing conditions for 12 months!

More accurately, look at the definition of pre-existing conditions in the policy disclousures. Typical language will say some like: any condition for which you received care or treatment for the past (generally 6 or 12 months) will not be covered for the first (generally 6 or 12 months). So if you had cancer but have been treatment free for several years, in many cases it will not be considered a pre-ex. The language in most plans is pretty specific so please read it carefully.

Contributor:

Neila222

First answer by Critmark. Last edit by SondraC. Contributor trust: 75 [recommend contributor ]. Question popularity: 268 [recommend question].

[report abuse]

Can you answer these Medical Insurance questions?

	When was the first hospital built in pa?	Answer it!
	Does blue cross blue shield of no cover home health care?	Answer it!
	How much money does a medical code billing nurse earn?	Answer it!
	Should the employer pay health insurance payments while off work for a work related accident in Iowa?	Answer it!
	What is preventative health care?	Answer it!

Relevant answers:

How do you determine a preexisting condition?
A preexisting condition refers to a medical condition that you had before you applied for new medical health care. Let's say you got a new job that had health care benefits that you would receive...
What is a preexisting condition?
A pre-existing condition any medical condition that your have been diagnosed with, prior to the time of application. Some pre-existing conditions can cause an applicant to be declined coverage. Other...
How do you determine condition and types of condition?
sun
Is a genetic condition considered a preexisting condition?
yes, if it was known prior to coverage. If you have had continuous insurance since the genetic condition was known and there was no lapse in coverage (or the lapse was short enough), care for that...
Does insurance cover preexisting conditions?
Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: Exclude the pre-existing condition from coverage, but offer other benefits as usual. Place a 24...