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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.
Best Types of Life Insurance for Pre-Existing Conditions According to the Centers for Medicare and Medicaid Services, pre-existing conditions could affect up to 50% of Americans.
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 ...
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.
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.
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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.
About one in four people have pre-existing conditions that made it difficult for them to get health insurance prior to President Obama's health care law.