Pre-Existing Conditions and Health Insurance Portability: What You Need to Know

What is a Pre-Existing Condition?

A pre-existing condition is any health problem that you have before you enroll in a new health insurance plan. This can include conditions that have been diagnosed, treated, or even just symptoms that you have had.

Why is it Important to Disclose Pre-Existing Conditions?

When you apply for a new health insurance plan, you are required to disclose any pre-existing conditions that you have. This is because insurance companies use this information to determine your risk of future medical expenses. If you do not disclose a pre-existing condition, your insurance company may deny coverage for any medical expenses related to that condition.

Can I Still Get Health Insurance if I Have a Pre-Existing Condition?

Yes, thanks to the Affordable Care Act (ACA). The ACA prohibits insurance companies from denying coverage or charging higher premiums to people with pre-existing conditions.

What is Portability?

Portability is the ability to change health insurance plans without losing coverage for pre-existing conditions. This means that you can switch to a new plan that better meets your needs without having to worry about being denied coverage for conditions that you have already been diagnosed with.

How Does Portability Work Under the ACA?

The ACA guarantees portability among all health insurance plans that meet certain standards. This means that you can switch to any ACA-compliant plan without having to worry about losing coverage for pre-existing conditions.

What if I Port My Health Insurance Plan?

If you port your health insurance plan, your new insurance company will have to cover pre-existing conditions just as your old insurance company did. This means that you will not have to serve any waiting periods for coverage of these conditions.

What if I Don’t Disclose a Pre-Existing Condition?

If you do not disclose a pre-existing condition when you apply for a new health insurance plan, your insurance company may deny coverage for any medical expenses related to that condition. This can be a major financial burden, so it is important to be honest about your health history when applying for health insurance.

If you have any questions about pre-existing conditions and health insurance portability, please call our office at 1-800-555-1212. Our licensed agents can help you find the best health insurance plan for your needs and ensure that you have the coverage you need.