What is a pre-existing condition?

A pre-existing condition is a health problem an individual has prior to obtaining health insurance. In North Carolina, health insurance companies may not deny coverage, charge higher rates, or impose pre-existing condition waiting periods for individuals with pre-existing conditions. Pre-existing conditions can range from minor conditions such as acne, to more serious conditions such as heart disease, stroke, cancer, diabetes, and more. Depending on the health insurance company, pre-existing conditions can also include mental health issues such as depression, anxiety, PTSD, etc. Health insurance companies also consider pregnancy to be a pre-existing condition. This means that health insurance companies cannot discriminate against pregnant women. Health insurance companies must cover the medical costs of pregnancy, labor, and delivery, as well as any related pre- and post-natal care. Overall, pre-existing conditions are health issues that existed prior to obtaining health insurance. Health insurance companies in North Carolina are not allowed to deny coverage, charge higher rates, or impose waiting periods for individuals with pre-existing conditions. These regulations are in place to ensure that all individuals have access to the medical care they need.

Related FAQs

What is a coinsurance clause?
What is a balance billing?
What is a catastrophic health insurance plan?
What is an individual health insurance plan?
What is an employer shared responsibility payment?
What is a flexible spending account (FSA)?
What are the different types of health insurance deductibles?
What is an exclusion clause?
What is the difference between an HSA and a FSA?
What is an employer mandate?

What is a pre-existing condition?

Related FAQs

Related Blog Posts