Can you get private health insurance with a pre-existing condition?

Can you get private health insurance with a pre-existing condition?

When applying for private health insurance, any pre-existing medical conditions and health issues you've had in the past could potentially affect your coverage. ... In general, most private medical insurance products exclude both pre-existing and chronic conditions.

What is a waiting period for a pre-existing condition?

The time period during which a health plan won't pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed 12 months for a regular enrollee or 18 months for a late-enrollee.

Can you be dropped from health insurance?

Yes, it's both possible and legal for your health insurance company to drop you under certain circumstances. ... Furthermore, while you can not be dropped for just any reason, you can be dropped at any time the company deems proper.

How do insurance companies know if you have a pre-existing condition?

Insurers then use your permission to snoop through old records to look for anything that they might be able to use against you. If you have a pre-existing condition, they'll try to deny your claim on the grounds that you were already injured and their insured had nothing to do with it.

What are examples of pre-existing 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.

Can I be turned down for a pre-existing condition?

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.

Is it illegal to have two health insurance policies?

Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.

How long must an employer provide health insurance after termination?

There is no specific timeframe for how long an employer must keep your health insurance coverage after a job termination. Instead, the business makes that decision. Some companies may end health insurance on the day of termination. Another may wait until the end of the month.

Is back pain a pre-existing condition?

Some of the commonly understandable “pre-existing conditions” can be chronic illnesses like diabetes, high blood pressure, asthma etc. The “pre-existing conditions” can include chronic injuries like back pain too.

How do insurance know about pre-existing conditions?

Insurers then use your permission to snoop through old records to look for anything that they might be able to use against you. If you have a pre-existing condition, they'll try to deny your claim on the grounds that you were already injured and their insured had nothing to do with it.

When does pre existing conditions go away?

Most often, when your health insurance applies a pre-existing condition clause to your policy, it will last around 12 to 18 months.

What is considered a preexisting condition?

Pre-existing conditions are considered to be any health issue one has before their new health insurance coverage begins. Examples include epilepsy, obesity, heart disease, paralysis, cancer, sleep apnea, lupus, diabetes, genetic conditions, and pregnancy.

Are pre existing conditions covered?

Normally, insurance companies do not cover pre-existing conditions as they were acquired before the period of the contract. However, under the Affordable Care Act, pre-existing conditions are no longer an issue.

Do pre existing conditions still apply?

A pre-existing condition is a health problem that exists before you apply for a health insurance policy or enroll in a new health plan . At the end of the day, private insurance companies and health plans are businesses that are focused on their financial bottom line.