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In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health insurance went into effect. Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by ...
A waiting period is the period of time between when an action is requested or mandated and when it occurs. [1]In the United States, the term is commonly used in reference to gun control, abortion and marriage licences, as some U.S. states require a person to wait for a set number of days after buying or reserving a firearm from a dealer before actually taking possession of it, a woman waiting ...
According to the US Department of Health and Human Services all tax-qualified long-term care insurance plans have the same trigger. [19] Most policies have an elimination period or waiting period similar to a deductible. This is the period of time that you pay for care before your benefits are paid.
A health insurance policy is: A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization). The contract can be renewable (annually, monthly) or lifelong in the case of private insurance. It can also be mandatory for all citizens in ...
Waiting in healthcare. Waiting for healthcare refers to any waiting period experienced by a patient before or during medical treatment. Waiting to get an appointment with a physician, staying in a waiting room before an appointment, and being observed during a physician's watchful waiting are different concepts in waiting for healthcare.
DI insurance replaces income lost while the policyholder is unable to work during a period of disability (in contrast to medical expense insurance, which pays for the cost of medical care). [141] For most working age adults, the risk of disability is greater than the risk of premature death, and the resulting reduction in lifetime earnings can ...
The U.S. healthcare system has been the subject of significant political debate and reform efforts, particularly in the areas of healthcare costs, insurance coverage, and the quality of care. Legislation such as the Affordable Care Act of 2010 has sought to address some of these issues, though challenges remain.
Health insurance marketplace. In the United States, health insurance marketplaces, [1] also called health exchanges, are organizations in each state through which people can purchase health insurance. People can purchase health insurance that complies with the Patient Protection and Affordable Care Act (ACA, known colloquially as "Obamacare ...
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