While insurers generally determine the presence of a pre-existing condition based on an applicant’s current health status, sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.

Are insurance companies required to cover pre-existing conditions?

Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They don’t have to cover pre-existing conditions.

Does Medi-Share cover well visits?

Provider Fee Routine well patient care–such as annual physicals–and dental and vision care are not covered by Medi-Share, so you need to be prepared for those expenses throughout the year.

What is considered pre-existing condition for Unitedhealthcare?

A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

Can a health insurance company refuse to cover you because of a pre-existing condition?

Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

When did the pre-existing Condition Insurance Program end?

Pre-Existing Condition Insurance Plan (PCIP) Coverage. The Pre-existing Condition Insurance Plan (PCIP) ended on April 30, 2014. The PCIP program provided health coverage options to individuals who were uninsured for at least six months, had a pre-existing condition, and had been denied coverage…

When does the pre-existing condition rule not apply?

The pre-existing coverage rule does not apply to “grandfathered” individual health insurance policies. A grandfathered individual health insurance policy is a policy that you bought for yourself or your family on or before March 23, 2010 that has not been changed in certain specific ways that reduce benefits or increase costs to consumers.

How are pre-existing conditions protected under the Affordable Care Act?

1 Pre-existing conditions are protected under the Affordable Care Act 2 Insurers cannot deny health coverage for people for pre-existing conditions 3 Insurers cannot charge higher costs for people with pre-existing conditions 4 Insurers cannot subject people with pre-existing conditions to a waiting period