Health insurance experts; Is this considered a pre existing condition?

  • by Hell
  • Nov 21,2015
  • 8 answers

12 days before my husband's old job cancelled his health insurance, I had gone for a mammogram and ultrasound. Results were inconclusive and a CT scan was recommended. It has been 20 days that we've been without coverage and he will be signing us up for new insurance at his new job next week. I've found a lump in my breast and would like to get the CT scan for more info about a possibly enlarged lymph node. Will the new insurance consider this all a pre existing condition?


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Insurance Answers (8)

Bill 6 months ago

It might but they have to accept you anyway.

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Insurance Pickle.com 6 months ago

If the condition existed before the coverage, then by definition the condition is pre-existing. "Pre" means before.
All of the folks mentioning that pre-existing conditions don't matter anymore aren't necessarily correct. While rare, it is possible that some plans DO consider pre-existing conditions. So, the answer is that you need to check with his particular plan. You're "probably" fine, but I'd want to know for sure.

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Rob 6 months ago

Depends entirely on what country u live in as it varies greatly.
If in USA depends on what state you live in.
Depends on the laws where u live.
Ask them for Real info locally

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StephenWeinstein 6 months ago

It doesn't matter. If you're uninsured for such as a short period of time, then preexisting conditions are covered the same as things that aren't preexisting.

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SumDude 6 months ago

Generally speaking, Obamacare outlawed denying coverage for pre-existing conditions, so get help from a knowledgeable person (or source) if you are denied.

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Flower 6 months ago

There is no exclusion for pre-existing conditions any more since Obamacare was implemented.

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mbrcatz 6 months ago

Yes. You knew - by both the lump in your breast and the mixed results from the mammogram - that there was potentially an issue.
Luckily, a gap in coverage less than 60 days doesn't allow them to exclude coverage for preexisting conditions.

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A Hunch 6 months ago

Since the implementation of the Affordable Care Act, preexisting conditions are no longer a issue.
Before 2014, when it was a problem, you could have a break in coverage of 63 days without being considered a break in coverage.
A preexisting condition is a pre-diagnosed or pre-existing condition (you knew there was a problem but it hadn't been diagnosed yet).
Good luck.

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