Home |
What is considered a preexisting condition? |
[Improve]
A pre-existing condition is a medical condition that existed before you obtained health insurance. In most cases, there is a 9 month waiting period for pre-existing medical condition coverage. That means that if a company offers you coverage, they may not provide coverage for that specific pre-existing medical condition for 9 - 12 months.
In many cases, if have had coverage in place for at least 18 months with no more than a 63 day gap in coverage, and you are just switching insurance companies, the new company will give you credit for having coverage in place and waive the waiting periods for your conditions. This allows you to switch plans if you need to.
The rationale for these policies is that medical insurance works the same way other insurances do-that medical insurance is to protect yourself in case something bad happens. You need to have coverage in place before something bad happens. An analogy is that just like you can't buy auto insurance after an accident to cover the cost of the accident, medical insurance only covers issues that arise unexpectedly after coverage has begun.
In many cases, if have had coverage in place for at least 18 months with no more than a 63 day gap in coverage, and you are just switching insurance companies, the new company will give you credit for having coverage in place and waive the waiting periods for your conditions. This allows you to switch plans if you need to.
The rationale for these policies is that medical insurance works the same way other insurances do-that medical insurance is to protect yourself in case something bad happens. You need to have coverage in place before something bad happens. An analogy is that just like you can't buy auto insurance after an accident to cover the cost of the accident, medical insurance only covers issues that arise unexpectedly after coverage has begun.
First answer by Schnazola. Last edit by ID1221585425. Question popularity: 518 [recommend question]
- Preexisting condition (insurance term)
- Pre-existing condition
Answers.com > Wiki Answers > Categories > Health > Conditions and Diseases > What is considered a preexisting condition?
Our contributors said this page should be displayed for the questions below. (Where do these come from ) |
| If any of these are not a genuine rephrasing of the question, please help out and edit these alternates. |
What is preexisting? What is pre-existing condition? What is pre-existing conditions? Pregnancy preexisting condition? What is a pre existing condition? What is a pre-existing condition? Is Obesity a preexisting condition? Are symptoms considered preexisting? Mental health pre-existing condition? What counts as a pre-existing condition? Is infertility a pre-exsisting condition? What is a preexisting condition exclusion? What is considered as a preexisting condition? What is the defination of preexisting condition? What medical condtions are considered preexisting? Are symptoms before a diagnosis considered preexisting? Is subdermal hematoma preexisting? Is bph considered a preexisting condition? Is laryngophapyngeal a pre existing condition?
