In the health insurance bussiness what is considered a pre-existing condition?

Question

Going to a new job soon but might have thyroid problems. Trying to figure out if they can say they do not want to cover it.

Answer 1

A pre-existing condition is a medical condition that you have seen a doctor for but have not been "cured" of the disease.

Whether of not your new insurance will cover it depends on the health insurance laws of your state. In California, a group medical insurance plan may not turn someone away for pre-existing conditions. However, a new health insurance company may refuse to cover a pre-existing condition within the first 6 months of you on the plan, unless you have continously been covered by another medical insurance plan without a break. The old insurance company will send you a document that says you had been on their plan.

I recommend:
1) Find out about the laws in your state. If you're in California, then the above applies.

2) Some states have a high-risk medical condition plan that you may be able to sign up if you are turned away for a medical condition. You may want to check it out.

Good luck!


Just Be!

Answer 2

Pre-existing is generally anything you've already sought treatment for. But,there's sometimes a way around it.
Do you have health insurance now? If you do, do not cancel it until the new one starts - meaning if you start the new job July 15th and the new insurance starts that day, don't let the current plan end until July 14th. You will get a certificate of coverage from the current plan. When you see a doctor for the first time on the new plan, the new insurance will send you a letter asking for a copy of that certificate - all you have to do is send them a copy, and they waive the pre-existing clause.

Answer 3

insurer's definition :

1. health condition that you already seeked medical advice, treament or surgery

2. health condition that you may aware off but no medical attention is given

3. Health conditions the insurer already classified in their specified illnesses. Under this list, with or without your knowledge is irrelevant as they alreay excluded it for a period of days or months.

It depends on the new insurance scheme, for new employment I believe it should be covered if the underwriters dun require individual to declare their health (this is only applicable if the number of employee is large enough)

Insurer who are strict may exclude it.

Answer 4

ANYTHING THAT YOU HAVE BEEN TREATED FOR..ON THE RECORD. SOME NEW LAWS MIGHT PROTECT YOU, HOWEVER. DO NOT LIE ABOUT YOUR RECORD.