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What is a pre-existing condition for individual coverage?

April 26, 2017condition coverage individual pre-existing

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What is a pre-existing condition for individual coverage?

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In some cases, insurance companies are not allowed to look at your medical history. If they are allowed to, they can look at your entire medical history to determine if they are going to cover you and how much your policy will cost. If they do decide to cover you, there are limits on what constitutes a pre-existing condition and how long they can exclude coverage for it. DB101’s program description of HIPAA and California Protections has a section addressing these issues.