Are pre-existing conditions covered by individual health insurance?
It depends on the carrier. Some carriers need a certain time clearance before they’ll consider covering a particular condition or illness. For example, a gastric bypass typically requires 3 years before most carriers will cover medical treatment for this condition. Some cancers require 5 years and others 10 years before treatment is covered for the same condition. In the case of strokes and heart attacks, unfortunately, no carrier will offer coverage for these conditions. However, PFI Benefits does offer individuals guaranteed issue insurance that covers any condition.
