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Medicare covers preexisting conditions, but some special rules and exceptions apply to Medigap. Learn about the coverage of preexisting conditions here.
After that, though, Medigap plans in most states can flat-out reject you if you have a pre-existing condition, such as diabetes. The exceptions are New York, Connecticut, Maine, and Massachusetts.
Pre-existing condition exclusions prohibited for children under age 19; Reform delayed for 4 years: effective January 1, 2014 Individual and group health insurance plans Pre-existing condition exclusions prohibited in all health insurance plans; Prohibit treating acts of domestic violence as a pre-existing condition
That's because Medicare does not permit Medigap plans from rejecting you or charging a higher premium, because of a pre-existing condition. Your premium, however, will vary depending on factors ...
An individual covered under COBRA may also be covered by another group health plan or Medicare [12] as long as either of two conditions is met: [13] The other coverage was in force as of or prior to the coverage under COBRA. The other coverage is subject to pre-existing conditions exclusions or limitations.
The cost of covering pre-existing conditions was estimated to be between $15 and $20 billion per year, according to a 2010 National Affairs article. [5] The bill would allow individuals to move between insurance plans and not be without coverage, including coverage for pre-existing conditions. [1]