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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.
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 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]
Prior to the ACA, effective in 2014, the individual market was often subject to medical underwriting which made it difficult for individuals with pre-existing conditions to purchase insurance. [43] The ACA prohibited medical underwriting in the individual market for health insurance marketplace plans. [43]
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 ...
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 ...
Members of the Pre-Existing Condition Insurance Program, who were given a one-month extension until the end of April 2014. [87] [88] Those who have successfully applied for exemption status based on criteria published by HealthCare.gov, who are not required to pay a tax penalty if they don't enroll in a health insurance plan. [89] [90]
Pet insurance providers generally don't cover pre-existing medical conditions. Here's what owners should understand. Pet insurance and pre-existing conditions: What to understand