Pre-existing Conditions

After January 1, 2014 health plans can no longer rate or deny coverage based on a person’s health status.  In addition a health plan cannot deny a medical claim because it is a pre-existing condition.

If you have a lot of health problems, this is good news.

  • You will not be declined coverage do to your health.
  • You will not pay extra premiums due to your health.  (Carriers can charge extra for smoking or tobacco use)
  • Your claims will not be denied because you have a pre-existing condition.

Although this is a good thing for people with significant health problems, this will tend to increase the overall cost of health insurance coverage.

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