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What are pre-existing conditions and how do they impact coverage?
A pre-existing condition is a health condition (other than a pregnancy) or medical problem that was diagnosed or treated during a specified timeframe prior to enrollment in a new health plan. Some pre-existing conditions may be excluded from coverage during a specified timeframe after the effective date of coverage in a new health plan. Plan documents will provide specific information on pre-existing conditions.
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) helps to protect millions of Americans and their families who have pre-existing medical conditions or who might suffer discrimination in health coverage based on factors relating to their health.
http://www.aetna.com/members/faq_healthplan.html#12
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Is arthritis a pre existing condition?
Sure if you had been treated or had symptoms of arthritis before taking out whatever you are talking about then it would be a pre-existing condition. Anything that existed before is a pre-existing condition.
Is a 94bpm resting heart rate dangerous if you have anxiety?
No, an anxiety attack will never kill or harm you in anyway, unless you have a pre-existing condition.
Would gout be considered a pre-existing condition - if it subsequently moves to your hands - after taking out the insurance would it be considered pre existing?
If you had gout any where in your body previously then it is a pretty safe bet that it wil be described as a pre-existing condition iif you get it any where else. Gout is the result of uric acid crystals forming in your blood stream because you are not able to eliminate it with urine fast enough. That is the condition, Where you get it and when is part of the overall symptoms. The reason that people want to know whether a condition would be considered PRE-EXISTING is because they want to know if it would be covered under the health policy. The answer varies from carrier to carrier. In some cases it would be covered at no difference in price; in some cases they would charge you extra; in MOST casees it would be excluded from coverage.
If you take ecstasy for 1st time can it give you a heart attack?
The chances are extremely low unless you have a pre-existing heart condition in which you should avoid taking ecstasy altogether.There have been cases of people dying during their first ecstasy trip but they are very,very uncommon
Is implanting stints a preexisting condition if there was no heart attack?
I think most insurance companies would consider this a pre-ex. It is still a required procedure for treatment of a medical condition. What they extend the pre-ex clause to in terms of what they will or will not pay for is likely unique to the individual carrier and their guidelines.
