What is a pre-existing condition and can it be excluded from my health coverage?
Answer A pre-existing condition is any condition for which a person received treatment or treatment was recommended within the preceding six months. Any individual enrolling in a new health plan covered by NYS law may be subject to up to a 12 month waiting period (six months for Medicare Supplement policy holders) before expenses related to the pre-existing condition are covered. However, the plan must subtract from the waiting period the time that the person had continuous coverage in a previous plan. Continuous coverage means that the person had less than a sixty three day gap between coverages. The insurer shall count a period of creditable coverage for all benefits or may elect to credit coverage based on Catagories of Benefits specified in the policy or certificate. Back More Info Health Insurance Resource Center Comprehensive health insurance information for consumers URL: http://www.ins.state.ny.us/chealth.htm Contact: Insurance Department Consumer Services Bureau E-mail:consume
Ans: A pre-existing condition is any condition for which a person received treatment, treatment was recommended, or for which symptoms were present prior to the effective date of the person’s coverage. Sometimes it is stipulated that the treatment or symptoms must be present up to 6 months prior. However, some insurance contracts leave the time period open indefinitely. Any individual enrolling in a health plan may be subject to up to a 12-month waiting period before expenses related to the pre-existing condition are covered. Other plans will exclude the conditions indefinitely whereas others limit the amount of coverage that is provided for pre-existing conditions.
A pre-existing condition is any condition for which a person received treatment or treatment was recommended within the preceding six months. Any individual enrolling in a new health plan covered by NYS law may be subject to up to a 12 month waiting period (six months for Medicare Supplement policy holders) before expenses related to the pre-existing condition are covered. However, the plan must subtract from the waiting period the time that the person had continuous coverage in a previous plan. Continuous coverage means that the person had less than a sixty three day gap between coverages. The insurer shall count a period of creditable coverage for all benefits or may elect to credit coverage based on Catagories of Benefits specified in the policy or certificate.
• Ans: A pre-existing condition is any condition for which a person received treatment or treatment was recommended within the preceding six months. Any individual enrolling in a new health plan covered by NYS law may be subject to up to a 12 month waiting period (six months for Medicare Supplement policy holders) before expenses related to the pre-existing condition are covered. However, the plan must subtract from the waiting period the time that the person had continuous coverage in a previous plan. Continuous coverage means that the person had less than a sixty three day gap between coverages. The insurer shall count a period of creditable coverage for all benefits or may elect to credit coverage based on Categories of Benefits specified in the policy or certificate.
Ans: A pre-existing condition is any condition for which a person received treatment or treatment was recommended within the preceding six months. Any individual enrolling in a new health plan covered by NYS law may be subject to up to a 12 month waiting period (six months for Medicare Supplement policy holders) before expenses related to the pre-existing condition are covered. However, the plan must subtract from the waiting period the time that the person had continuous coverage in a previous plan. Continuous coverage means that the person had less than a sixty three day gap between each coverage. The insurer shall count a period of creditable coverage for all benefits or may elect to credit coverage based on Categories of Benefits specified in the policy or certificate.
Related Questions
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- What is a pre-existing condition and can it be excluded from my health coverage?
