In the United States, a pre-existing medical condition is a medical condition that existed prior to an individual’s health insurance going into effect. After January 1, 2014 the Patient Protection and Affordable Care Act (ACA) prohibited insurance companies from not covering pre-existing conditions.
The majority of insurance companies define pre-existing conditions in one of two ways. The “objective standard” definition defines a pre-existing condition as any condition for which an individual has received treatment prior to their enrollment in a medical insurance plan.
The “prudent person” definition is much broader. It defines a pre-existing condition as any condition for which symptoms were present that a prudent person would have recognized and sought treatment for.
The top pre-existing conditions that insurance companies look for are:
- Heart conditions, such as angina and high blood pressure
- Stomach and bowel problems, like Irritable Bowel Syndrome (IBS) or Crohn’s disease
- Psychological issues, including depression and anxiety
- Breathing problems, such as asthma or emphysema
Many people manage medical conditions a daily basis and do so very well. They can live with these conditions so effectively that they have little or no impact on daily life style. Respiratory problems, high blood pressure, joint pain, and high cholesterol are examples of conditions that many people live with without a significant impact on their daily life.
No matter how little these conditions may now effect your life, however, we still need to know about them to provide you with the best plan possible.
Our 24/7 Conciergecare services are available to help you navigate your new health system.
We offer plans that give you control, choice, and flexibility regarding:
- When and where you have treatment
- Who you want responsible for your care
Let us give you the peace of mind that comes from knowing that you and your family will receive quick access to any health treatment necessary. We are here for you and your family while away from your home country.