What is a pre-existing condition?

A pre-existing condition is a health condition that you had before you applied for health insurance. In Washington, new health insurance plans are no longer allowed to deny coverage on the basis of pre-existing conditions. This means that insurance companies in Washington State must accept applicants regardless of whether they have a pre-existing condition or not. A pre-existing condition can be any health issue, from a chronic condition like diabetes or asthma to a one-time issue like a broken bone or an illness. It is important to remember that the Affordable Care Act (ACA) prohibits insurance companies from denying coverage for any pre-existing condition. This means that you have the same coverage for your pre-existing condition as you do for any other health issue. It is important to keep a record of your health history, which includes any pre-existing conditions. This is so that you can be sure that your health insurance provider is properly covering your pre-existing condition. If you need to make a claim for a pre-existing condition, you may be required to provide proof of the condition. It is also important to remember that even though pre-existing conditions are now covered in Washington State, you may still be required to pay more for coverage due to the increased risk that insurance companies face with covering pre-existing conditions.

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