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Impact of pre-existing conditions on insurance coverage

published to August 10, 2017

Did you know that your insurance plan cannot deny you, charge you more, or refuse to pay?

for the existing state?

What are pre-existing conditions?

  • A pre-existing condition is a health problem that existed prior to the start date of your new health coverage.
  • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Will my health insurance be affected by my pre-existing condition?

  • No. Treatment of pre-existing medical conditions will be covered from the date coverage begins.
  • Once enrolled, it is not possible to refuse enrollment or raise insurance premiums solely on the basis of health conditions.
  • Marketplace plans do not allow annual or lifetime limits on coverage.

What if I am pregnant?

  • If you are pregnant prior to your application, we cannot refuse your enrollment or charge an additional fee based on your pregnancy.
  • When you enroll, pregnancy and childbirth will be covered from the date of enrollment.

Click here for details Compensation for existing conditions.

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