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The more you know about your health

The more you know about your health

 

There is no reason you should be concerned when it comes to finding health insurance with any health issue you may be experiencing. You cannot be denied coverage because of a pre-existing health condition.

 

What is a Pre-Existing Condition?

A pre-existing health condition is a medical illness or injury that you have before you start a new health care plan. Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

 

The Affordable Care Act

Under the Affordable Care Act, passed in 2010, health insurance companies can’t refuse you coverage or charge you more because you have a pre-existing condition. No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.

Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health. However, annual premium increases may apply to your plan for other reasons.

 

Exceptions

If, however, you are enrolled in a plan that started before 2010, you have a “grandfathered plan.” These plans CAN cancel your coverage or charge you higher rates due to a pre-existing condition. Grandfathered plans don’t have to cover pre-existing conditions or preventive care.

 

Waiting Periods

There are no waiting periods for medical plans, including for pre-existing conditions.

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When choosing a health plan, consider your medical needs. If you have a chronic medical condition that requires frequent care, it could affect the type of plan you choose, but you cannot be denied coverage or charged more because of a pre-existing condition.

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