What counts as pre-existing medical 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.
What is a pre-existing condition rider?
The time period during which an individual policy won't pay for care relating to a pre-existing condition. Under an individual policy, conditions may be excluded permanently (known as an "exclusionary rider").
Can a person get life insurance after getting a pre-existing condition diagnosis?
Can you buy life insurance after such a diagnosis? The fortunate answer for many people is: Yes. It may be possible to get life insurance with these and other pre-existing conditions, including HIV infection.
Because pregnancy is considered a pre-existing medical condition, any non-emergency expenses caused by or related to pregnancy are not covered under the policy.
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.
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. They cannot limit benefits for that condition either. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition.
Conditions for Exclusion
HIPAA did allow insurers to refuse to cover pre-existing medical conditions for up to the first 12 months after enrollment, or 18 months in the case of late enrollment.
Medical Conditions That May Make You Uninsurable
Depending on the situation, a pre-existing health condition might cause an early or unexpected death, which increases the risk for the insurer. As a result, the cost of the policy is higher. If the risk is too high, the insurer may deny coverage altogether.
It's important to be upfront about your health so Fidelity Life can help you find the best option for you. If you don't disclose a health condition and it is discovered later by your insurance company, it could prevent or stop your coverage completely.