Can health insurance deny pre existing conditions

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Table of Contents Show

• Primary Health Insurance
• Medigap Insurance
• Supplemental Health Insurance
• Can I get health insurance with a pre-existing condition?
• Will a pre-existing condition result in a higher premium?
• Do non-ACA compliant plans consider pre-existing conditions?
• How can I get health insurance with a pre-existing condition?
• Can you be turned down for pre
• What are pre

June 15, 2019

Wondering if you can be denied health insurance because of articles pre-existing condition? Here’s articles quick rundown.

Primary Health Insurance

When it comes to your primary health insurance, the answer is no. According to the US Department of Health and Human Services, “Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have articles ‘pre-existing condition’ — that is, articles health problem you had before the date that new health coverage starts.” This law applies to plan years starting on or after January 1, 2014 (the one exception is grandfathered plans purchased on or before March 23, 2010)1. For more information about this law, visit hhs.gov. To know your health insurance options, visit HealthCare.gov.

Medigap Insurance

What if you have articles pre-existing condition and want to purchase articles Medigap policy? According to Medicare.gov, “even if you have health problems, during your Medigap open enrollment period you can buy any policy the company sells for the same price as people with good health.” However, if you want to purchase articles Medigap policy outside your open enrollment period, the insurance company can sometimes refuse to cover out-of-pocket costs you may have for treatment for your pre-existing conditions for up to six months; after that period, “the Medigap policy will cover your pre-existing condition”2. For more information about Medigap policies and pre-existing conditions, visit Medicare.gov.

Supplemental Health Insurance

Let’s say you have articles pre-existing condition and you want to know if you can purchase supplemental health insurance. According to verywellhealth.com, the Affordable Care Act does not regulate supplemental health insurance, which means that “an insurer can deny coverage based on your medical history, impose limits on pre-existing conditions, and cap benefits at fairly low levels”3. And while you can purchase articles supplemental plan whenever you’d like (unlike primary insurance which is purchased during an open enrollment period), “many plans do exclude pre-existing conditions,” according to healthmarkets.com4. If you have articles pre-existing condition and would like to know your supplemental health insurance options, contact an independent broker or articles licensed insurance agent.

If you have any questions about your health insurance, contact articles health insurance expert.

1. “Pre-Existing Conditions,” US Department of Health and Human Services,

2. “When can I buy Medigap?” Medicare.gov

3. “Should you buy supplemental health insurance?” VeryWellHealth,

4. “Supplemental Health Insurance 101,” HealthMarkets.com,

Categories: Insurance, Supplement Health Insurance

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Approximately 25% of adults under age 65 have pre-existing conditions, according to a 2019 study published by the Kaiser Family Foundation. As the Patient Advocate Foundation notes, a pre-existing condition is a health condition, illness, or injury that you know about—perhaps even have received or have scheduled treatment—before applying for health insurance coverage.
Some examples of pre-existing conditions include:

• Pregnancy
• Epilepsy
• Asthma
• Sleep apnea
• Cancer
• Diabetes

Pre-existing conditions, of course, are not limited to these few examples, and you should make sure to read the specifics of any plan you’re considering to make sure that your plan covers any medical conditions or health problems you have.
Insurance companies used to sometimes charge more or refuse people with pre-existing conditions. This is because more health problems will result in a high-risk pool of members—which means the insurance company was dishing out more money for people who actually used their individual health insurance to its fullest extent.

Can I get health insurance with a pre-existing condition?

You can get health insurance if you or a family member has a pre-existing condition. This has not always been the case. Prior to the 2010 passage of the Affordable Care Act (also known as “ACA” and Obamacare), insurance companies could refuse coverage for the pre-existing condition(s), charge significantly higher premiums to insure people with pre-existing conditions, or reject the applications for health insurance from people with pre-existing conditions. Pre-existing conditions posed sometimes unsurmountable barriers to changing jobs, changing health insurance, and finding affordable care. But that is largely a problem of the past.

Will a pre-existing condition result in a higher premium?

Under current law, insurance companies cannot charge higher premiums or refuse health insurance coverage due to pre-existing conditions. If you’re buying an ACA-compliant individual health insurance plan, you won’t have to worry that health insurance is out of reach because of pre-existing conditions you or a family member may have. You still need to compare health insurance plans’ costs and coverage, however, to make sure you are choosing health plan coverage that best meets the needs of you and your family. A licensed eHealth insurance agent is available to help you understand your health insurance options and identify plans that are likely to result in the affordable care you and your family need.

Do non-ACA compliant plans consider pre-existing conditions?

If you or a family member has a pre-existing condition, you should be aware of the two main exceptions in which health insurers may not cover pre-existing conditions.

• Short-term medical policies. Short-term medical policies are exempt from the law requiring insurance coverage for pre-existing conditions. Even short-term medical insurers that may accept your application may impose a wait period before they will cover treatment related to a pre-existing condition. A short-term medical policy may be in effect from 90 to 365 days and may renew up to three (3) years. Given its relatively short duration, a short-term policy might not help you pay for treatment of pre-existing conditions even if the insurer accepted your application.
• Grandfathered group health plans. If you can obtain coverage for yourself or a family member with a pre-existing condition under an employer’s or union’s group health coverage, be sure to check first with the plan administrator to see if the plan is “grandfathered.” Grandfathered plans are health plans that were in place before March 23, 2010. By law, these health plans can offer the same benefits today they offered before the Affordable Care Act. They may restrict or exclude coverage for pre-existing conditions.

How can I get health insurance with a pre-existing condition?

It’s easy to find health insurance with a pre-existing condition. ACA-compliant health insurance is available from your state’s marketplace and off the marketplace. Let eHealth help you find the plan that is right for you. You can start your search now by checking out all the individual and family health insurance plans available in your area. Simply answer a few questions about your health insurance needs and select Find ACA Plans. The eHealth plan search tool will identify the plans available where you live and permit you to compare costs and benefits. Our health insurance brokers and agents are available to assist you as well. At eHealth our goal is to help you find effective health coverage at an affordable price—regardless of your current health condition.

Can you be turned down for pre

What are pre