Thanks to the Affordable Care Act, health insurance companies cannot deny you coverage or discriminate against you due to a pre-existing condition. The ACA made it possible for more than 50 million Americans to get health insurance that was once inaccessible.
Grab our free guide to all of the essential health benefits that the Affordable Care Act mandates that health insurance plans must cover. A pre-existing condition is any kind of health condition you might have had before the date at which a new health insurance plan starts. From asthma to pregnancy, and cancer to diabetes, depression to endometriosis, there are countless numbers of pre-existing conditions.
Because of the ACA, health insurance companies can no longer deny you coverage or charge you more for that coverage because you have a pre-existing condition. The ACA also put in place annual and lifetime maximums. Half of all Americans are living with something that would have been classified as a pre-existing condition and could have potentially ended their ability to get affordable health insurance before the passage of the ACA.
Even more good news. While there are seemingly countless numbers of pre-existing conditions, some are especially prevalent. If you have or have ever had acne, anxiety, depression, diabetes, asthma, sleep apnea, COPD, obesity, clogged arteries atherosclerosis , or cancer, then you have had one of the ten most common pre-existing conditions. There are a number of other common health conditions that also would have qualified as a pre-existing condition. Pregnancy is classified as a pre-existing condition.
Eating disorders are also pre-existing conditions, as is arthritis and even having had a knee replacement. HPV, which in some strains can be cancer-causing if left untreated, could also be classified by insurance companies as a pre-existing condition. If you have had a back injury following some kind of accident, that might be classified as a pre-existing condition. Before the ACA, having any of these would have impacted your ability to get health insurance.
And even if you could get health insurance, you might have paid more for it. Pre-existing conditions could once again create a major barrier to affordable health care if Obamacare is repealed. One of the key wins of the Affordable Care Act was ending discrimination based on pre-existing conditions. Because of this, insurance companies no longer can deny someone coverage because of a pre-existing condition. That means today, pre-existing conditions cannot prevent you from getting insurance.
Your insurance must also cover pre-existing conditions. The ACA also ensures that the cost of managing those pre-existing conditions comes with annual and lifetime maximums.
As a result of the Affordable Care Act, you cannot be denied health insurance because of a pre-existing condition. You also have the security of accessing coverage for that condition as soon as your health insurance plan begins. This rule went into effect in July of and is still in effect today. For example, pregnancy is a pre-existing condition, so coverage of a pregnancy starts the same day your plan starts too.
So, all care for your pregnancy and delivery will be covered from the day your plan starts. Per federal law, all ACA-compliant plans, including those offered by employers and through the online Health Insurance Marketplace, must cover pre-existing conditions.
Need help in comparing your options among these kinds of plans? Short-term plans are exempt from covering preexisting conditions. Healthshare programs have grown steadily since the passage of the ACA.
They are often religious-based cost-sharing programs that offer a way to cover healthcare costs. The ACA marketplace in your state also offers access to insurance policies that cover preexisting conditions. For those old enough to qualify for Medicare, preexisting conditions are part of that coverage, too. Kaiser Family Foundation. Privett, Chris. We do not sell insurance products, but there may be forms that will connect you with partners of healthcare.
You may submit your information through this form, or call to speak directly with licensed enrollers who will provide advice specific to your situation.
Read about your data and privacy. Our mission is to provide information that will help everyday people make better decisions about buying and keeping their health coverage. Our editorial staff is comprised of industry professionals and experts on the ACA, private health insurance markets, and government policy. Learn more about our content. Buscar: Search. Skip to content.
Advertiser Disclosure. Reviewed by Diane Omdahl. Diane Omdahl Expert Reviewer Diane Omdahl has been helping people navigate the complexities of Medicare for more than three decades. In this Article What is a Preexisting Condition? Why Trust Our Content?
What is a Preexisting Condition? What This Means for You Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. For More Information Read the regulation detailed legislative information.
Connect With Us. Sign Up. HHS Headquarters U.
0コメント