President | Founder, CLM Insurance Group, Delray Beach, FL
It depends on the plan benefits. Effective 1/1/2014 private health insurance carriers can no longer deny applicants due to pre existing medical conditions, but that doesn't mean the covered services fall under the benefit details. Make sure to verify your benefits before enrolling in a plan to make sure your pre existing condition(s) are covered appropriately.
Great question! One of the biggest changes from the Affordable Care Act was the shelving of the "pre-existing condition" exception that health insurers used to deny coverage. They are no longer allowed to deny you coverage. That doesn't mean that all plans cover all things equally though, so I would recommend that you find a good agent to help walk you through the process to find a policy that is a good fit for you. A bonus? The Act also eliminated lifetime caps on benefits. If you need help, please feel free to contact me, I'm happy to help. Thanks for asking!
Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
Private health insurance covers pre-existing conditions...most of the time! I'll explain:
When applying for coverage during Open Enrollment (assuming it is a qualified Exchange or Off-Exchange plan), pre-existing conditions are covered and there will be no waiting period or surcharge applied.
As an experienced health insurance broker (33 years), this issue is often discussed with customers and on our top-ranked websites.
However, non-compliant plans, such as short-term policies, do not cover pre-existing conditions. If you miss Open Enrollment, these temporary plans are popular options.
.JPG){kind=avatar}
When applying for coverage during Open Enrollment (assuming it is a qualified Exchange or Off-Exchange plan), pre-existing conditions are covered and there will be no waiting period or surcharge applied.
As an experienced health insurance broker (33 years), this issue is often discussed with customers and on our top-ranked websites.
However, non-compliant plans, such as short-term policies, do not cover pre-existing conditions. If you miss Open Enrollment, these temporary plans are popular options.