In the health insurance bussiness what is considered a pre-existing condition?
A pre-existing condition is a medical condition that you have seen a doctor for but have not been “cured” of the disease. Whether of not your new insurance will cover it depends on the health insurance laws of your state. In California, a group medical insurance plan may not turn someone away for pre-existing conditions. However, a new health insurance company may refuse to cover a pre-existing condition within the first 6 months of you on the plan, unless you have continously been covered by another medical insurance plan without a break. The old insurance company will send you a document that says you had been on their plan. I recommend: 1) Find out about the laws in your state. If you’re in California, then the above applies. 2) Some states have a high-risk medical condition plan that you may be able to sign up if you are turned away for a medical condition. You may want to check it out. Good luck! Just Be!
