A pre-existing condition is an illness or injury that you have before you start a new health care plan. Examples include cancer, diabetes, COPD, sleep apnea, lupus, depression, and others. These conditions tend to be long lasting or chronic.

How is it determined to be Pre-Existing?

It is determined to be a pre-existing condition if you have received treatment or were diagnosed with the condition before you enroll in a new health plan.

Does a Pre-Existing Condition Affect What Health Plan I can Choose, or How Much it Will Cost?

The ACA made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition. Also, if your health changes and you develop a chronic medical condition while enrolled in a health plan, your insurance company cannot raise your rates or drop you from the plan due to your medical condition. Your rates may go up for other reasons, but that cannot be one of them.

Are There Any Other Considerations When Choosing a Health Plan with Pre-Existing Conditions?

Yes, if you have a chronic or ongoing medical condition that requires more frequent care, then choose a plan that best covers those needs. You may want to opt for a plan with a higher monthly premium but covers frequent office visits and testing. However, you cannot be denied coverage or charged more due to a pre-existing condition.

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This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
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