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If you have a pre-existing condition you were unaware of, would health insurance companies still exclude it?
In: Health Insurance
22 May 2010I’m shopping for health insurance right now and I’m concerned about the ‘pre-existing health conditions’ exclusions that many (if not all) companies apply. Also, if anyone can recommend a great health insurance company, don’t be shy about mentioning it.
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5 Responses to If you have a pre-existing condition you were unaware of, would health insurance companies still exclude it?
Common Sense
May 22nd, 2010 at 8:02 pm
If you read the agreement, a pre-existing condition is one you’ve sought advice or treatment for in (usually) the past year. If you’ve never seen a doctor for it it’s usually covered.
mbrcatz
May 22nd, 2010 at 8:54 pm
No.
But you have to list any UNDIAGNOSED conditions – aka symptoms – which are ALSO preexisting.
If you get insurance today, and get diagnosed with cancer tomorrow, that’s still preexising, because it didn’t HAPPEN overnight. Ditto with pregnancy – if you get insurance today, and a doctor discovers you’re roughly 6 months pregnant tomorrow – that’s still preexisting, even if you claim you didn’t know about it.
lucy
May 22nd, 2010 at 9:27 pm
Most companies have 5 or 6 set questions they look for.
1; are you expecting (baby)
2; declined for health insurance before and reasons
3; have you received medical consult or diagnosed w/in the last 5 years and what was it.
And these are the biggies; liver, kidney, emphysema, diabetes, cancer, heart/respiratory, circulatory, immune disorders, HIV. The big ones will most likely exclude you from buying a insurance policy. The others for any treatment or diagnosis could be “iffy” depending on what it was.
Consult an agent and advise them of any ongoing treatment, RX you have had and they can advise if you could have a problem or not. They could recommend the best price and coverage you may also need.
But as a rule, if you have a preexisting condition, some companies cant exclude if they insure you if you disclose it. So as a general rule they will deny your application. Also, if you know about something and fail to disclose, they are known to pull your records for years so that they can deny and void the policy.
good luck
George H
May 22nd, 2010 at 9:55 pm
I have met this sort of situation before,here
http://www.HealthInsuranceIdeas.info
is the resource I found helpful.
lhfams
May 22nd, 2010 at 10:31 pm
A lot of times a Prex issue is a health issue that you’ve been seen or treated for in the previous 12 months.
Ashtma, that is something that people may develope over time, if you’ve been medically diagnosis and treated for it, then it would be prex, if you are diagnosised with it the first day of your coverage is should not be a Prex issue.
Golden Rule (united health one) is good.