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Pre-existing condition exclusions were prohibited for HIPAA-eligible individuals (those with 18 months continuous coverage unbroken for no more than 63 days and coming from a group health insurance plan). Individual (non-group) health insurance plans could exclude maternity coverage for a pre-existing condition of pregnancy. [2]
The Pre-existing Condition Insurance Plan (PCIP) was a form of health insurance coverage offered to uninsured Americans who were unable to obtain coverage because of a pre-existing condition. These provided coverage to as many as 350,000 people to fill the gap until the Affordable Care Act went into effect in 2014.
Medical underwriting is a health insurance term referring to the use of medical or health information in the evaluation of an applicant for coverage, typically for life or health insurance. As part of the underwriting process, an individual's health information may be used in making two decisions: whether to offer or deny coverage and what ...
Curable pre-existing conditions coverage: ... Definition. An isolated medical issue that hasn’t required treatment or resulted in symptoms for a set period (often six-12 months) and isn’t ...
A pre-existing condition refers to an illness, injury or symptom your pet has before the start date of their insurance policy or during the waiting period that applies to some conditions after ...
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 ...
Critics of medical underwriting believe that it unfairly prevents people with relatively minor and treatable pre-existing conditions from obtaining health insurance. [46] One large industry survey found that 13% of applicants for individual health insurance who went through medical underwriting were denied coverage in 2004.
Adults with existing conditions became eligible to join a temporary high-risk pool, which will be superseded by the health care exchange in 2014. [4] [18] To qualify for coverage, applicants must have a pre-existing health condition and have been uninsured for at least the past six months. [19] There is no age requirement. [19]