What constitutes a "pre existing condition" in regards to health insurance?

Question

What about mental illness?

Answer 1

if for instance i have cancer and tried to get health insurance that cancer would be a pre-existing condition

Answer 2

I can't find a legal definition, so I think that the carriers are allowed to define a pre-existing condition. Below is one companies definition.

"A pre-existing condition is a sickness or an injury

for which, within the 12-month period before the effective date of coverage, medical advice, consultation, or treatment was recommended or received, or symptoms existed that would ordinarily cause a prudent person to seek diagnosis, care, or treatment."

Don

http://mtnhealthinsurance.com

Answer 3

If you have been diagnosed with a serious illness such as cancer, and you are trying to get health insurance, you will probably be denied since the insurance company will pay out more for your medical care than you will pay to them in premiums.  They are a business looking to make a profit, unfortunately, and they don't see many dollar signs in a person who is already sick.

Answer 4

Anything that is already wrong.  Something that's been diagnosed previously, or something that's wrong that you know about already (like a pregnancy, or a broken leg).

Answer 5

Yes, if it is documented

Answer 6

Typically it is a medical condition that requires ongoing treatment such as heart disease or diabetes or cancer.

Answer 7

Any medical condition that you had before taking out the insurance and which you still have.   Many health insurers will not cover pre-existing conditions, though some will give partial coverage in certain circumstances.  Shop wisely.

Answer 8

Yes, mental illness, too.

Answer 9

Any illness or condition that will cost the insurance company LOTS of money, lol. Yes that would include mental illness. IN FACT, you need to look at your summary of benefits to check and see if you have any mental illness benefits to begin with!! Some health insurance companies wrote provide that benefit at all because it is a big ticket item.

Answer 10

Any illness that was diagnosed, or you had reasonable knowledge of, before you took out insurance. I guess this would include any mental condition.

Answer 11

Insurance companies consider a pre-existing condition as a condition that you've received medical treatment, advice or consultation, or that would cause a "prudent person" to seek medical treatment, advice, or consultation.

Answer 12

Any thing you can have that isn't curable.  I just found this pretty inexpensive health insurance company in texas that looks promising.  If you're interested the website is http://www.texashealthinsuranceoptions.c... .

Answer 13

PRE-EXISTING - Anything you've had "prior" to you getting coverage.  The severity is of no consequence to whether it's pre-existing.  HOWEVER, if a policy states they "cover pre-existing conditions" please understand this is ONLY if the don't deny you coverage because of the severity of the conidtion OR rider off (which means not pay for) anything related to that condition.

Also, if they state pre-existing condtions are covered AND they don't ask any health questions on the application (or take one over the phone) you're likely buying a discount card which isn't insurance.

Good luck,

--Jeff

Answer 14

You may try to google it,here has some direct resource that might be helpful.http://health-insurance.expert-tip.info/...