Health insurance companies cannot refuse coverage 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. 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, as well as pregnancy. They cannot limit benefits for that condition either. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition. Need
health insurance? Find affordable health care and compare plans at Healthcare.gov. Content created by Assistant Secretary for Public Affairs (ASPA) Yes. Under the Affordable Care Act, 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. They also can’t charge women more than men. The only exception to the pre-existing coverage rule is for grandfathered individual health insurance plans -- the kind you buy yourself, not through an employer. They don’t have to cover pre-existing conditions. Learn more about what this means for you. Content created by Digital Communications Division (DCD) The following questions were asked during AARP’s webinar series about the new health care law. Additional information about the Pre-existing Condition Insurance Plan, including instructions on how you can apply, is available at Healthcare.gov. Overview Q: What is a pre-existing condition? Q: What is the Pre-existing Condition Insurance Plan? Q: What happens when the PCIPs end in
2014? Q: Is PCIP available now? Eligibility Q: Who is eligible for coverage through PCIP?
Enrolling in the PCIP Q: How do I enroll in the PCIP? Q: What if someone calls me or sends a letter asking me to enroll in a PCIP? Premiums and Other Costs Q: How much do I have to pay for insurance through PCIP? Q: What if I
can’t afford the premiums for PCIP? More Questions About Eligibility Q: Why must a person have no health
coverage for six months before applying for PCIP? Q: What happens to people who are already enrolled in existing state high-risk pools? Q: If I obtain coverage under PCIP and then obtain group coverage through a new employer, but then lose that coverage, must I go through the six-month waiting period a second time? Q: I am unemployed and had COBRA, which just ran out. I applied for private insurance but was denied due to pre-existing conditions, as was my 19-year-old son. Do I have to be uninsured for six months to qualify for the federal plan? My existing state high-risk pool is too expensive. What are our options for obtaining insurance coverage? Q: Can a husband and wife enroll in a PCIP if only one has been without insurance for six months or more? Q: Can my children be covered under my PCIP insurance? PCIP Coverage and Services Q: If I'm eligible for PCIP, when will my coverage start? Q: What types of health care providers are in the PCIP
network? Q: What benefits are included? Other Options for the Uninsured Q: I understand that state insurance exchanges will offer
coverage for the uninsured in 2014. What about those of us who need insurance now? Q: I heard that low-income people would get some help on
their premiums starting this year. Is that true? I can no longer afford my premiums, which just increased $80 a month after my income dropped drastically. For more information about PCIP and the new health care law, go to Healthcare.gov. Does short term insurance cover preShort-term plans can deny coverage or charge higher prices to people with pre-existing conditions, and they typically do not cover medical services related to a pre-existing condition.In most states, short-term plans are exempt from pre-existing-condition protections and benefit standards that individual-market plans ...
Which policy covers preThe PED insurance would cover the costly treatments of such diseases. Some of the most common pre-existing conditions include thyroid, high blood pressure, diabetes, asthma, cholesterol, etc.
What type of insurance can be denied due to preHealth 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, as well as pregnancy. They cannot limit benefits for that condition either.
Is there a waiting period for preNo. There are no waiting periods for medical plans, including for pre-existing conditions. When choosing a health plan, consider your medical needs.
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