Pre-Existing Condition

Pre-Existing Condition

Wed, 02/12/2020 - 20:18

A health problem you had before the date that new health coverage starts.

♦ The Affordable Care Act put a stop to insurance companies denying coverage or rating plans differently based upon health status or pre-existing conditions.

♦ Grandfathered health plans may still have them in place.

Most grandfathered individual plans have disappeared. A few grandfathered group plans may still attach pre-existing conditions.

♦ But insurance companies have a way around the ACA. It is called short-term insurance.

Short-term insurance does not come with the same protections the ACA guarantees for regular insurance.

With short-term insurance insures can go back to the old ways of dealing with pre-exisitng conditions.

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Grandfathered Plans