What is a pre-existing condition?

A pre-existing condition is a health problem or medical condition that was present before an individual applied for health insurance. In the state of Tennessee, health insurance companies are not allowed to deny an applicant coverage or charge higher rates because of a pre-existing condition. This is mandated by the Tennessee Health Insurance Law. A pre-existing condition does not need to be diagnosed for it to be considered a pre-existing condition. This means that even if an applicant has not been to see a doctor for a specific health issue, but they know that they have had it in the past, it may be considered a pre-existing condition. The Tennessee Health Insurance Law also prohibits health insurance companies from denying coverage to any applicant due to their age, gender, or medical history. It is important to note that although insurers are prohibited from denying coverage for a pre-existing condition, they are still allowed to set limits on how much and what kind of coverage they will offer, so it is important to understand the details of any health insurance policy before agreeing to it.

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