Can an insurance company raise it's quote if you have pre-existing conditions?

Question

i know they cant deny you coverage if you've got them and prior insurance, but can they charge you more?

Answer 1

Yes, they can (and will) charge you more money for an individual policy if you have pre-existing conditions.

And you have to disclose the pre-existing conditions on your application.  If you lie on your application and say you have no pre-existing conditions just to get a cheaper premium, they will completely cancel your policy when they find out.  Its insurance fraud.

(Also...an individual health insurance plan can turn down your application if you have pre-existing conditions, even if you had prior coverage.  Only a group policy through an employer or a HIPAA plan has to take you, regardless of your medical history.)

Answer 2

Yes, because a pre-existing condition will probably cost them more. if you didn't disclose a pre-existing condition then you might be denied coverage for it, if they don't just not give you insurance.

Answer 3

They absolutely CAN deny you coverage.  Those that have HIPAA plans charge more.  That's what 'underwriting' is.  They're assessing the risk and if you have pre-existing conditions you can expect to pay more or get declined if you have them.

I just did a plan for a woman in FL and we applied for a plan that was about $250/month.  The insurance company declined her for that plan and offered a HIPAA plan for about $900/month.  She opted not to take it.

A 'quote' is just the price for a starting place.  Some companies underwrite under 'accept/decline' where they either take you at that price or they decline you.  Others will do that but may also have (usually) 2 other tiers where they charge you ~25% or 50% more.

http://www.InsurancePickle.com  

Answer 4

Simple answer: a quote is not a contract.

Answer 5

Absolutely.  There's no "rate guarantee" with health insurance.

Answer 6

Yes, they can deny you.  I have a tumor condition and a pain condition.  Most insurances would not touch me b/c I've had

two surgeries already and have to have on going medical care.

Your premiums will be higher due to the simple fact you are

going to cost them more than a healthy person.  They have

to put out more, so do you.  

Answer 7

yes they can - or they may apply condtions to the policy excluding certain things. just make sure you do disclose all pre-existing conditions as if you dont, the insurance can be voided