How are pre-existing conditions covered?
This is probably the single most asked question regarding individual health insurance, and probably the most important as well. The first thing to note is that acceptance is not guaranteed for individual health insurance plans. That is to say that it is possible that someone with pre-existing conditions may be declined coverage (see what if I am declined) This depends on the specific condition and the cost of treatment and medication for that condition. If you are approved, companies treat pre-existing conditions differently as outlined below: Blue Cross Blue Shieldof Wisconsin – Pre-existing conditions that are not disclosed on your application are not covered until after you have been on the plan for 12 months. A pre-existing condition is one for which, in the 12 months before the plan took effect, car was received, diagnosis was made or symptoms were present that would cause most people to seek care. WPS – Individuals and Families: After a waiting period of at least 12 months, but t
This is probably the single most asked question regarding individual health insurance, and probably the most important as well. The first thing to note is that acceptance is not guaranteed for individual health insurance plans. That is to say that it is possible that someone with pre-existing conditions may be declined coverage (see what if I am declined ) This depends on the specific condition and the cost of treatment and medication for that condition. If you are approved, companies treat pre-existing conditions differently as outlined below: BlueCross BlueShield – Aware Care: Pre-existing conditions you had during the six months before your enrollment date are not covered; This limit applies for 12 months. Prior continuous coverage counts toward the 12 month period. Example 1 – You had 7 months of prior continuous coverage. Pre-existing conditions you had during the six months prior to enrollment would not be covered for the first 5 months of the plan – 12 months minus the 7 months
