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We will make it illegal for an insurance company to deny coverage to someone with prior coverage on the basis of a pre-existing condition." [ 24 ] In a March 3, 2010, address, President Barack Obama said that coverage denied to those with pre-existing conditions is a serious problem that would only grow worse without major reforms. [ 25 ]
Term life insurance: If your pre-existing condition is under control, term life insurance might be your best option. You can typically sign up for a 10- to 30-year term that will payout if you die ...
Adults with existing conditions became eligible to join a temporary high-risk pool, which will be superseded by the health care exchange in 2014. [4] [18] To qualify for coverage, applicants must have a pre-existing health condition and have been uninsured for at least the past six months. [19] There is no age requirement. [19]
An estimated 5 million of those without health insurance are considered "uninsurable" because of pre-existing conditions. [8] One large industry survey, from 2004, found that roughly 13% of those who applied for individual health insurance were denied coverage after undergoing medical underwriting.
Recent hospitalizations or surgeries: Insurance companies may impose waiting periods or exclude coverage for pre-existing conditions if an applicant has recently been hospitalized or undergone a ...
From pregnancy to diabetes -- you won't be denied coverage if you have a pre-existing condition, but your coverage could get a lot more expensive. Pre-existing conditions: How 130 million ...
Guaranteed issue is a term used in health insurance to describe a situation where a policy is offered to any eligible applicant without regard to health status. Often this is the result of guaranteed issue statutes regarding how health insurance may be sold, or to provide a means for people with pre-existing conditions the ability to obtain health insurance of some kind.
Curable pre-existing conditions coverage: ... Definition. An isolated medical issue that hasn’t required treatment or resulted in symptoms for a set period (often six-12 months) and isn’t ...