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 Posted: Thu Dec 13, 2007 7:26 pm Post subject: what is pre-existing condition? |
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| what is pre-existing condition? |
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kennethadams
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Joined: 12 Dec 2007
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| Posted: Fri Dec 14, 2007 12:32 am Post subject: |
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| Quote: | | what is pre-existing condition? |
Generally by asking about a pre-existing condition, the insurance company is looking for you to disclose any medical condition which you already have been diagnosed with and have been having treatment or are receiving some kind of care for. That's my understanding of it.
You need to check the individual insurer's guidelines though as it can vary from company to company and state to state. Some have a more stringent definition than others, for example it could mean any medical condition that's been dealt with in some way within six months prior to your application.
Please, always ask for clarification of what the terminology represents exactly from the company before signing up if you're unsure. Once you try to claim and find out your plan doesn't cover you after all because you misunderstood what it meant, it's too late.
The importance of that cannot be stressed enough or too many times. A few minutes invested can save a lot of heartache further down the line.
Hope that helps!  |
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lilacsigh
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| Posted: Fri Dec 14, 2007 9:22 am Post subject: |
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In simple terms, the pre-existing condition is the medical condition that you are aware of at the time of enrolling for the health plan or may have been treated in the recent past. You need to disclose all your health related facts that's in your knowledge whenever you apply for the health plan.
There is a certain time limit that you need to wait, normally 12 to 18 months, before your policy coverage begins. This time limit is known as the pre-existing condition exclusion period. Within this waiting period the insurer may deny all the claims that are arising form the pre-existing conditions mentioned in the policy doc.
Rupert |
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RupertWBradson
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| Posted: Fri Dec 14, 2007 9:47 am Post subject: |
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Lemme assure you that normal cough and cold isn't considered as the pre-existing condition.
Whenever, the insurers say pre-existing condition they normally refer to serious and terminal illnesses, which may require extensive medical care and may end up costing them hundreds and thousands.
There may be a huge list of diseases available with the insurers, if you are diagnosed with any of those prior to apply for the policy, you may even be denied of the coverage. Chronic cancer, cirrhosis if liver, type ‘A' diabetes, severe heart problems are few from the list. However, the range may very widely among the private insurers. |
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brian
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