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Pre-existing Conditions and Health Insurance
Types of Preexisting Conditions
There are various forms of pre-existing conditions. Some of the more common ones include pregnancy, obesity, arthritis, diabetes, depression and fibromyalgia. Each individual insurance company will compile their own list of pre-existing conditions and have their own standards when it comes to providing insurance coverage for those who are stricken with these conditions.
Obtaining Health Insurance Coverage with Preexisting Conditions
Frequently health insurance companies will require new insureds to undergo a waiting period before having their pre-existing conditions covered under the health insurance policy. Many insurance companies which offer individual health insurance policies require a waiting period of 12-18 months before they will pay medical bills related to pre-existing conditions. The good news is that there are certain protections allotted to those with pre-existing medical conditions. Under HIPAA, the Health Insurance Portability and Accountability Act, you are entitled to have your pre-existing medical condition treatments paid for by the new company. Under this act, those who have previously been insured under a group health insurance plan and are obtaining a new type of health insurance may be able to have their pre-existing conditions covered so long as they meet certain
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