post Category: Health Insurance post postFebruary 2, 2008

The “Pre-Existing Condition” limitation or exclusion of a health insurance policy is probably the most misunderstood. In health insurance, a “Pre-Existing Condition” is not necessarily a disease or illness for which you have received medical treatment.

Google

A “Pre-Existing” Condition In Health Insurance May Not Be What You Think

To better understand “Pre-Existing Condition”, here is the statement taken directly from a health insurance company’s health insurance sales brochure:

“A pre-existing condition is a sickness or injury which was diagnosed or treated, or which produced signs or symptoms that would cause an ordinarily prudent person to seek treatment, during the five-year period before the covered person’s effective date of coverage.”

This “Pre-Existing Condition” limitation will differ from company to company, so make sure you know your health insurance company’s terms and conditions.

Health insurance companies handle “Pre-Existing Conditions” in different ways. Some companies may:

  • Decline to issue the health insurance policy
  • Not pay benefits for pre-existing conditions for a period of time, like 12 months
  • May issue the insurance policy with a rider, which states that they will not cover that condition for a specified period of time, or never
  • Cover pre-existing conditions as long as they are disclosed on the health insurance application and accepted by the insurance company

When you complete an application for health insurance, be as honest and as accurate as you possibly can. It will save a lot of hard feelings and misunderstandings later on.

Discount Dental Plans

Google

Buying Insurance

  • Auto Insurance
  • Business Insurance
  • Discount Dental Plans
  • Discount Health Plans
  • Group Health Insurance
  • Home Insurance
  • Life Insurance
  • Insurance Terms

  • A-C
  • D-H
  • I-M
  • N-P
  • R-T
  • U-W


  • Sponsored Links
    Discount Dental Plans Under $20 Nationwide Dental Plan Provider Network. Savings on both preventive and restorative dental services, prescription drugs, vision and chiropractic care.
    Discount Health Plans Under $60
    Healthcare savings from a nationwide healthcare network. Savings on healthcare for your entire household under $60 per month.

    Domestic Violence Is An Epidemic!
    Over 4 Million women suffer physical or emotional abuse every day in the United States. Children witness their mothers being assaulted or even killed. Let’s talk! Let’s change domestic violence.

    Wild Western Classics
    Learn about the actors and characters who have portrayed the wild west in movies and on television. If you are a fan of the old west, you will love this site.

    Tennessee Insurance
    If you live in or are relocating to Tennessee, we would like to help you with all your insurance needs - auto, home, business, life, health and dental plans.

    AmPmInsure.org
    The best source for insurance information on the web. Join in on insurance discussions or ask important insurance questions. Membership in this insurance community is free and every member has access to a free insurance blog.

    IMPORTANT: If you are currently shopping for the right health insurance plan and comparing health plan prices, please make sure all the benefits, deductibles, exclusions, co-payments and lifetime maximums are the same. Never cancel an existing health insurance policy until the new health policy has been issued and is in full benefit.



    Explore Health Insurance

    Insurance Contact Information In The United States


    Home   |   Blog Policies   |   Site Map

    Work At Home

    Share and Enjoy:These icons link to social bookmarking sites where readers can share and discover new web pages.
    • digg
    • Ma.gnolia
    • NewsVine
    • Reddit
    • YahooMyWeb

    Sorry, comments are closed.