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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.
Insurers are prohibited from excluding pre-existing medical conditions (except in grandfathered individual health insurance plans) for children under the age of 19. [30] [31] All new insurance plans must cover preventive care and medical screenings [32] rated Level A or B [33] by the U.S. Preventive Services Task Force. [34]
With the Patient Protection and Affordable Care Act, it became easier for people with pre-existing conditions to afford regular insurance, since all insurers are fully prohibited from discriminating against or charging higher rates for any individuals based on pre-existing medical conditions.
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. [45] One large industry survey found that 13% of applicants for individual health insurance who went through medical underwriting were denied coverage in 2004. Declination rates ...
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 ...
Pet insurance policies come with waiting periods before your coverage starts. ... Definition. An isolated medical issue that hasn’t required treatment or resulted in symptoms for a set period ...