The health insurance issue is quite complicated, and pre-existing conditions just add to the muddle. Here is a deconstruction of what pre-existing conditions cover.
What are Pre-existing Conditions?
Pre-existing conditions refer to those health conditions or ailments that the individual had before insuring themselves under a new health insurance policy. This may include one’s health conditions or chronic illnesses like diabetes or asthma, surgeries, ongoing treatments, or tests.
Before the ACA, pre-existing conditions would push one closer to denial of coverage or higher private or corporate rates. However, with the Affordable Care Act, health insurance companies cannot deny coverage or charge higher premium rates based on pre-existing conditions.
Waiting Periods and Required Coverage
There is always a waiting period before some plans in the healthcare insurance policy start covering a pre-existing condition. Coverage for your pre-existing condition can be deferred, but you can nevertheless have coverage for other medical needs.
Choosing the Right Plan
Upon enrolling in a health insurance plan, it is critically important for a person to consider how pre-existing conditions are catered for under the plan. Consider those plans offered that have the shortest waiting periods or the best coverage for the conditions if you have significant healthcare needs.
Knowing about pre-existing conditions and being covered under medical insurance allows you to make a well-informed decision and get a package that looks and feels good.
Blue Cross and Blue Shield of Illinois complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.