What is a pre-existing condition?

A pre-existing condition is a medical condition that a person had prior to having health insurance coverage. This could include anything from a chronic illness, to a history of heart disease, to a previous injury. In Arizona, health insurance providers may not deny coverage or charge someone more for health insurance due to a pre-existing condition. In the state of Arizona, if someone has a pre-existing condition, they must be offered health insurance coverage at the same rate as an applicant without a pre-existing condition. This is due to the health insurance law in Arizona. As of 2019, health insurance carriers in Arizona must cover pre-existing conditions, defined as a medical condition that existed prior to a person’s health insurance coverage or that was diagnosed or treated while the person was uninsured. However, there are some restrictions to this health insurance law. For example, if someone has a pre-existing condition that was not properly managed before they became insured, then they may still be subject to higher premiums or coverage limits. Additionally, some health insurance providers may charge additional fees for pre-existing conditions, depending on the health insurance provider and the specific pre-existing condition. Overall, the health insurance law in Arizona requires health insurance providers to provide coverage to people with pre-existing conditions at the same rate as someone without a pre-existing condition. This helps ensure that everyone has access to the healthcare they need.

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