Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
A pre-existing condition for health insurance is a medical condition that you have/had before your coverage under a health plan starts (your effective date).
I hope the information is helpful - please feel free to contact me for help with your health insurance plan or if you have any other questions. Thanks very much.
That is a great question! A pre-existing condition is simply that - any medical condition that you had before you applied for the health insurance. Before the Affordable Care Act (Obamacare), insurers could deny you coverage if you had something that they deemed to be too expensive to treat. The Law took that exemption away, and also the maximum lifetime expense limits that insurers had set. I hope that helps, thanks for asking!
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I hope the information is helpful - please feel free to contact me for help with your health insurance plan or if you have any other questions. Thanks very much.