What is a pre-existing condition?

A pre-existing condition is a medical condition that a person had prior to obtaining health insurance. In North Dakota, pre-existing conditions are not considered when deciding whether to provide or deny health insurance coverage. This means that a person can get health insurance even if they have a pre-existing condition. In North Dakota, health insurers are also prohibited from denying coverage or charging different rates based on pre-existing conditions. Pre-existing conditions can include physical or mental conditions that developed or were diagnosed before a person applied for health insurance. These can include high blood pressure, diabetes, asthma, certain cancers, or depression. Other examples of pre-existing conditions include injuries or illnesses that occurred in the past and were treated or are in the process of being treated. Health insurance companies in North Dakota must provide coverage for pre-existing conditions, and cannot charge different rates based on pre-existing conditions. This means that individuals can get coverage even if they have a pre-existing condition. This law helps to ensure that everyone can access the health care they need, regardless of their health status.

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