What is a pre-existing condition?

A pre-existing condition is a medical condition or illness that has been diagnosed or treated prior to the start of a new health insurance policy. According to Virginia health insurance law, health insurance companies cannot deny or refuse to cover an individual’s pre-existing condition when they are applying for a new health care policy. Pre-existing conditions include any illnesses or conditions that were diagnosed or treated such as cancer, high blood pressure, heart disease, diabetes, COPD, depression, and asthma. It’s important to note that in Virginia health insurance law, pre-existing conditions can’t be used to deny or increase the cost of coverage. Insurance companies must offer the same rates for everyone regardless of their medical history. So if you’re ever applying for a new health care policy in Virginia, you aren’t required to disclose your pre-existing condition to the insurance company. The Virginia health insurance law was put in place to protect individuals from being denied coverage due to their pre-existing condition or having to pay additional premiums. So if you’re ever looking for health insurance in Virginia, you can rest assured that your pre-existing condition won’t affect your ability to get coverage.

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What is a pre-existing condition?

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