What is a Pre-Existing Condition? | Cigna

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

How are pre-existing conditions determined?

A preexistent condition is typically one for which you have received treatment or diagnosis before you enrolled in a modern health plan. Prior to 2010 and the passage of the Affordable Care Act ( ACA ), an policy company would review your application for registration and if they determined you had a preexistent discipline, could deny you coverage or crack coverage at inflate rates .
The ACA made it illegal for health indemnity companies to deny you aesculapian coverage or raise rates due to a preexistent condition .

What are some examples of pre-existing health conditions?

chronic illnesses and medical conditions, including many forms of cancer, diabetes, lupus, epilepsy, and depression may be considered preexistent conditions. pregnancy before registration is besides considered preexistent and chronic, though less severe conditions such as acne, asthma, anxiety, and sleep apnea may besides qualify.

Can I be denied health insurance if I have a pre-existing condition?

If you are enrolled in a plan since 2010, then no, your insurance company can ’ t legally deny you coverage or bang you higher premiums because you have a preexistent condition .
The Affordable Care Act, passed in 2010, made it illegal for insurers to deny you coverage or charge gamey rates for preexistent conditions. additionally, if your health changes and you develop a chronic medical discipline while enrolled in a health design, your insurance carrier can not raise your rates because of that checkup condition. however, annual premium increases may apply to your design for early reasons .
If, however, you are enrolled in a design that started before 2010, you have a “ grandfathered plan. ” These plans can cancel your coverage or can charge you higher rates due to a preexistent condition.

If you are exploring coverage options, it ’ randomness important to be mindful of any potential changes to health care law that could impact how preexistent conditions are covered .

Is pregnancy considered a pre-existing condition?

No. If you get pregnant before enrolling in a health plan, you can not be denied coverage or charged more due to pregnancy. coverage for pregnancy and manner of speaking begins from the day you enroll in a design .

Is there health insurance for pre-existing conditions?

Choosing a health design is no long based on the concept of a preexistent condition. A health insurance company can not deny you coverage or raise rates for plans if you have a checkup condition at the time of registration. however, there may be health plans that are a better fit for you than others if you have a chronic, or preexistent, checkup condition.

For case, if you need unconstipated medical care, surgeries or treatments, then a plan with a little higher monthly bounty and lower deductible may provide you with the coverage you need and help you manage more predictable costs .

Could my health plan have a pre-existing condition waiting period?

No. There are no waiting periods for checkup plans, including for preexistent conditions .
When choosing a health plan, consider your medical needs. If you have a chronic or ongoing medical condition that requires more frequent care, those needs could affect the type of plan you choose, but you can not be denied coverage or charged more due to a preexistent condition .

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