Pre-Existing Conditions

Some of the major reasons that health insurance companies decline to cover an individual can include pre-existing conditions such as:

• Major chronic medical conditions such as diabetes, heart problems, epilepsy, serious asthma, cancer
• Multiple secondary-type conditions such as osteopenia, thyroid problems, curvature of the spine, skin rashes, asthma, allergies
• Above what the insurer should way according to the weight charts.

Depending on the reasons for the decline, keep in mind that different insurance companies have their own underwriting guidelines and just because you were declined by one insurance company does not mean that all insurance companies will decline you.

How will the new Affordable Care Act and the Pre-Existing Condition Insurance Plan (PCIP) for 2011 change things?



Individuals can be declined for health insurance based on risk factors. People with certain health conditions like diabetes, high blood pressure, or a history of past heart disease stand a high chance of getting declined by health insurance companies. What other pre-existing conditions can cause you to be declined from a health insurance provider:

High Cholesterol
Mental Health Conditions
Obesity

What else do you need to know about pre-existing conditions and being declines for health insurance?

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