Can pregnancy be considered a pre-existing condition?
Yes. You can be pregnant when you sign up for health insurance. If this happens, pregnancy is called a pre-existing condition. This means you had the condition (you were pregnant) before you sign up for health insurance.
Can you get health insurance with pre-existing conditions?
Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They don’t have to cover pre-existing conditions.
Can you be denied insurance due to pre-existing conditions?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. They cannot limit benefits for that condition either. Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.
Is pregnancy considered a pre-existing condition with Blue Cross Blue Shield?
Pregnancy and pregnancy-related diagnoses are not considered pre-existing conditions. Many health plans have pre-existing conditions limitations which specify a waiting period during which services for the pre-existing condition will not be covered by the new plan.
When does pregnancy become a pre-existing condition?
Is pregnancy a pre-existing condition? If you are pregnant before the start of a new health insurance plan, it qualifies as a pre-existing condition regardless of how long you have been pregnant. Every health insurance policy must cover pregnancy and childbirth and the 10 essential health benefits, which include maternity care and newborn care.
What was pre-existing condition before Obamacare?
Before Obamacare made coverage guaranteed issue, pregnancy itself was also considered a pre-existing condition that would prevent an expectant parent — male or female — from obtaining coverage in all but five states.
When did the new pre-existing condition law go into effect?
Pre-Existing Conditions Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014.
Can you get health insurance if you have a pre-existing condition?
Now, thanks to the Affordable Care Act, health insurance plans can no longer deny anyone coverage for their pre-existing condition, and so PCIP enrollees can transition to a new plan outside of the PCIP program. Learn more about your health insurance options at HealthCare.gov.