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To search the medical underwriting, an insurer asks people who apply for coverage (typically people applying for individual or family coverage) about pre-existing medical conditions. In most US states, insurance companies are allowed to ask questions about a person's medical history to decide whom to offer coverage, whom to deny and if ...
The University of Pittsburgh Medical Center defines a pre-existing condition as a "medical condition that occurred before a program of health benefits went into effect". [1] J. James Rohack, president of the American Medical Association , has stated on a Fox News Sunday interview that exclusions, based upon these conditions, function as a form ...
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.
In both cases, employers conducted pre-employment medical exams that the EEOC said were illegal. While the exams themselves may not have been illegal, the employers went wrong when they required ...
The act largely retained the existing structure of Medicare, Medicaid, and the employer market, but individual markets were radically overhauled. [ 1 ] [ 11 ] Insurers were made to accept all applicants without charging based on preexisting conditions or demographic status (except age).
Adults with existing conditions became eligible to join a temporary high-risk pool, which will be superseded by the health care exchange in 2014.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]
This usually involves providing a human resources manager or other designated employee completed income tax withholding forms, providing proof of identity and eligibility for employment (in accordance with the U.S. Immigration Reform and Control Act of 1986), proof of a completed drug test (by a designated medical center) and other required forms.
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