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What is a preexisting condition in health care?

ANSWER

"Preexisting condition" is a term you may have seen when trying to get health insurance. It refers to a medical condition that you had before you tried to enroll in an insurance plan. Traditionally, preexisting conditions have been used by insurance companies as a reason to disallow coverage for that condition. But insurance companies are no longer allowed to deny you coverage or charge you more for a plan because you have a preexisting condition.

SOURCES:

National Association of Insurance Commissioners: "Glossary of Health Insurance and Medical Terms."

U.S. Bureau of Labor Statistics: "Definitions of Health Insurance Terms."

Healthinsurance.org: "Health Insurance Glossary."

U.S. News and World Report: "Health Insurance Definitions."

HealthCare.gov   "Glossary, COBRA," "Glossary Health Savings Account," "The Health Insurance Marketplace," "Children's Pre-existing Conditions."

California Department of Insurance: "COBRA."

Reviewed by Sarah Goodell on February 16, 2018

SOURCES:

National Association of Insurance Commissioners: "Glossary of Health Insurance and Medical Terms."

U.S. Bureau of Labor Statistics: "Definitions of Health Insurance Terms."

Healthinsurance.org: "Health Insurance Glossary."

U.S. News and World Report: "Health Insurance Definitions."

HealthCare.gov   "Glossary, COBRA," "Glossary Health Savings Account," "The Health Insurance Marketplace," "Children's Pre-existing Conditions."

California Department of Insurance: "COBRA."

Reviewed by Sarah Goodell on February 16, 2018

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What is a preferred provider organization (PPO) in health care?

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