What is a pre-existing condition in health insurance?
Finding good insurance can be complicated and expensive, what with physical exams, questions to answer and forms to fill out. Insurance companies especially want to know about any pre-existing medical conditions you may have. Often, pre-existing medical conditions will not be covered by a new insurer.DefinitionA pre-existing medical condition is any medical condition you had prior to becoming a customer of a new insurance company. You do not need to be currently suffering from the condition for it to be pre-existing.Time FrameHow far back the insurance company expects you to go when listing your pre-existing medical conditions depends on the insurance company, which will usually give you a time frame when you fill out the application. If you don’t get a time frame, go back as far as you can remember.AccuracyInsurance companies will expect total accuracy from you when disclosing your pre-existing medical conditions. If you are in doubt as to the name of a procedure, or any dates, contac
The definition of a pre-existing condition varies between insurance carriers and policies. Consumers shopping for health care coverage should read the fine print and note any distinctions or exclusions within a plan before choosing an insurance provider.DefinitionIn general, a pre-existing condition is any disease, illness or injury that appeared, showed symptoms, and/or required medical consultation, advice or treatment before the effective date of a health insurance policy.SignificanceThe presence of a pre-existing condition will result in refusal of coverage, denial of coverage for expenses related to that particular condition or higher health insurance premiums.Time FrameWhile each policy varies, there is typically a limitation on how long before the effective date of the insurance policy the pre-existing condition could occur.
