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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.
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 ...
Balancing this are waiting periods, in particular for pre-existing conditions (usually referred to within the industry as PEA, which stands for "pre-existing ailment"). Funds are entitled to impose a waiting period of up to 12 months on benefits for any medical condition the signs and symptoms of which existed during the six months ending on ...
Moratorium underwriting is an alternative method of health insurance which primarily allows for applicants to receive cover without disclosing their entire medical history. Instead, individuals will typically have any pre-existing medical conditions excluded if those have developed within the past five years.
Pre-existing conditions: Insurance companies often review an applicant’s medical history to assess their risk. For example, if you have certain pre-existing conditions, ...
From pregnancy to diabetes -- you won't be denied coverage if you have a pre-existing condition, but your coverage could get a lot more expensive. Pre-existing conditions: How 130 million ...
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.
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