What are qualifying pre-existing conditions?
How are pre-existing conditions determined? A pre-existing condition is typically one for which you have received treatment or diagnosis before you enrolled in a new health plan. The ACA made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition.
What is a pre-existing condition limitation?
A pre-existing condition exclusion period limits the number of benefits that an insurer has to provide for specific medical conditions and does not apply to medical benefits afforded by a health insurance policy for other types of care.
Is it illegal to ask about medical conditions?
An employer cannot ask a medical professional for an employee’s medical records, or information about an employee’s health, without permission from the employee. Employers cannot request that an employee discloses information about any health conditions that arise during employment.
Do I have to tell my employer my illness?
No, an employee or job candidate is not legally obliged to mention any medical condition, whether mental or not to an employer. There can be benefits to being open about your illness but deciding whether or not to tell your employer can be difficult.
Can you get insurance if you have a pre-existing condition?
Can I get health insurance with a pre-existing condition? Yes, you can still get health cover if you have a pre-existing condition.
Can you get disability insurance if you have a pre-existing condition?
In most cases, yes, you can qualify for disability insurance with a pre-existing condition. And as long as your disability claim doesn’t relate to your pre-existing condition, you should be able to collect insurance benefits.
What are the pre-existing conditions under Obamacare?
Obamacare prohibits insurance companies from excluding pre-existing conditions from their coverage. A pre-existing condition is a health problem that existed or was treated before the effective date of your health insurance coverage.
When did the new pre-existing condition rules go into effect?
These rules went into effect for plan years beginning on or after January 1, 2014. 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. They cannot limit benefits for that condition either.
Can a health insurance company refuse to cover you because of a pre-existing condition?
Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014.
When did the ACA ban pre-existing condition exclusions?
The Health Insurance Portability and Accountability Act (HIPAA), which was passed in 1996, imposed certain conditions on when a health insurance company could exclude coverage for a pre-existing condition. As stated earlier, the ACA went one step further by prohibiting pre-existing condition exclusions for all plans since January 2014.