A Pre-Existing Condition can be defined as “a physical or mental health condition, disability, or illness that you have before enrolling in a health plan”.[1] The exact definition, however, varies depending on your health insurance provider. A pre-existing condition can be an ailment you have currently or one that you have already recovered from. Some states have limits on how far back insurance providers can look for a pre-existing condition, while others have none. These factors have a direct effect on your eligibility for coverage with a provider. You can be denied coverage or charged a higher premium because of a pre-existing condition.What Can Be Considered A Pre-Existing Condition?
Ailments considered to be a pre-existing condition will vary from one insurance provider to another. Examples of common pre-existing conditions are listed below.
- Cancer
- Diabetes
- Hypertension/High Blood Pressure
- Depression
- Asthma
- Allergies
- Acne
Tips for Staying Healthy
Use your Primary Care Physician (PCP): Regular visits to your PCP will prevent ailments in most situations or keep a pre-existing condition under control.
Get the Screenings You Need: Regular screenings for high blood pressure and cholesterol, colorectal cancer, sexually transmitted diseases, HIV, depression, breast and cervical cancer (women only) will aid in the prevention or early detection of a pre-existing condition. It also creates opportunity for your PCP to offer tips to leading a healthier lifestyle.
No Health Benefits Coverage?
Visit www.waynecounty.com/hhs_hchoice.htm or call 800-WELL NOW and select the HealthChoice benefit program that is best for you!
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