What is a pre-existing condition?

A pre-existing condition is a medical condition that you have been diagnosed with or received treatment for before you applied for health insurance. This can include any injury, illness, or medical condition that you have been diagnosed with or treated for within a certain amount of time before applying for insurance. In California, health insurance providers cannot deny coverage or limit benefits for a pre-existing condition. This means that if you have a pre-existing condition, you cannot be denied coverage or charged a higher premium. In addition, if you switch health plans, you cannot be dropped from the plan or have your coverage limited because you have a pre-existing condition. It is important to note that a pre-existing condition can still be excluded from your coverage. This means that even if you are eligible for coverage, insurance companies can still exclude coverage of your pre-existing condition. Although this can vary depending on the type of insurance you have. Overall, it is important to understand what a pre-existing condition is and how it can affect your health insurance coverage in California. Knowing this information can help you make the best decision for your health care needs.

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