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Is pregnancy considered a preexisting condition by insurance companies?
Wiki User
∙ 15y ago
Yes. Many insurance companies will place a waiting period on maternity coverage to ensure that the policyholder is not purely purchasing the policy to take advantage of a maternity benefit.
The typical waiting period for a maternity benefit is between 12 and 24 months from the start of the plan. It is important to note, however, that it can be possible to receive a newborn coverage benefit at a much earlier time (in some cases as early as 6 months).
If you have your delivery during the policy waiting period for maternity then none of your expenses will be reimbursed by the insurer. It is important that all policyholders understand how long the waiting period is for all benefits on their health insurance plan.
Wiki User
∙ 15y ago
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Does there have to be a diagnosis to be considered a preexisting condition?
According to my insurance company if you have seen a doctor about the condition it is preexisting.
Is prostate cancer considered a preexisting condition?
If you try to get health insurance and you have cancer, it is considered a preexisting condition.
Is having a heart cathetor test considered pre existing condition?
Tests, of any kind, are not included in the definition of preexisting condition. You have to be given a definitive diagnosis from that testing in order to have a preexisting condition. If by having a heart cath test, it was determined that you did not need to have one placed, then you do not have a preexisting condition. For example, you may have an MRI/CAT Scan and then a PET Scan to determine if you have cancer, but if they find you do not have cancer, then you are not diagnosed with a condition, therefore cannot considered preexisting. I should add that, generally if a Dr. wants to evaluate for a heart cath, then you currently have or have had issues with your heart in the past. This may be something like a high percentage blockage, irregular heart beat, thickening of the lining around your heart, etc. This would be considered a preexisting condition and future insurance companies may determine that any intervention needed on your heart would be preexisting. However, insurance companies usually have a preexisting time frame (generally 12 or 24 months) in which a condition is no longer consider preexisting. For example, if you were diagnosed with a heart condition 13 months ago and the insurance company you are planning on joining policy is a 12-month limit on pre-existing conditions, then you are in the clear and the preexisting condition clause does not apply to you.
Is an ovarian cyst considered a preexisting condition if it has dissolved on its own months prior to being enrolled in an insurance plan?
An ovarian cyst would not be considered a pre existing condition. You should have no problem getting an insurance plan.
In Texas can insurance companies reject patients with preexisting conditions?
Any Health Insurance company can reject anyone with a pre existing condition. Look for another Health Insurance company if you are rejected by one.
What do medical insurance companies consider when determining your premium?
Preexisting medical conditions.
What is the meaning of pre existing?
Preexisting means something that already exists, or exists before this point. For example a preexisting condition in relation to medical insurance is an illness that you have before you take out the insurance.
If a patient is diagnosed with a disease before the effective date of the insurance plan is?
preexisting condition
Is a genetic condition considered a preexisting condition?
Yes, if it was known prior to coverage. If you have had continuous insurance since the genetic condition was known and there was no lapse in coverage (or the lapse was short enough), care for that condition will be covered by your new insurer, per HIPAA.
What is the definition of a preexisting condition?
The diseases which already existed at the time of taking the health insurance policy are attributed as preexisting condition. The Health Insurance Co. is at liberty to cancel your claim forthwith if it is proved that you contacted any such disease after taking the policy.
If you have been denied insurance from a preexisting condition what can you do now?
Look for another insurance company. There are Insurance companies that do high risk, however, be prepared to pay higher monthly premiums. If you cannot be covered, look into a one man group. Michael FindYourPolicy.com
Does a preexisting condition matter with no exam life insurance?
You will have to fill out a questioneer and disclose your condition. Your prexisting conditions do indeed matter.
