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After most states had by the early 1990s implemented some limits on pre-existing condition exclusions by small group (2 to 50 employees) health insurance plans, the Health Insurance Portability and Accountability Act (Kassebaum-Kennedy Act) of 1996 (HIPAA) extended some minimal limits on pre-existing condition exclusions for all group health ...
Medical underwriting meant that insurance companies screen applicants for pre-existing conditions and reject those with serious conditions such as arthritis, cancer, and heart disease, but also such common ailments as acne, being 20 pounds over or under weight, and old sports injuries. [42]
Critics of medical underwriting believe that it unfairly prevents people with relatively minor and treatable pre-existing conditions from obtaining health insurance. [6] Diseases that can make an individual uninsurable include serious conditions, such as arthritis , cancer , and heart disease but also such common ailments as acne , being 20 lb ...
From pregnancy to diabetes -- you won't be denied coverage if you have a pre-existing condition, but your coverage could get a lot more expensive. Pre-existing conditions: How 130 million ...
If you sign up for Original Medicare and a Medigap policy when you first become eligible, pre-existing conditions are not considered. Related reading: Health insurance options for early retirees ...
Term life insurance: If your pre-existing condition is under control, term life insurance might be your best option. You can typically sign up for a 10- to 30-year term that will payout if you die ...
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