Pre-Existing Conditions and Health Insurance

Do you have a medical condition? Are you looking to buy new health insurance or change plans soon? Find out everything you need to know about health insurance coverage and pre-existing conditions.

Learn the Lingo - Terms You Need To Know:

It's easy to understand how insurers treat pre-existing health conditions once you're familiar with some important insurance terms. Learn more about creditable coverage, pre-existing conditions, and pre-existing condition exclusions.

Pre-Existing Condition 'Exclusion Periods':

Now that you know what a pre-existing condition is, you may be wondering how this affects your insurance coverage. Insurers do not want you to wait until you get sick before buying insurance, so they impose pre-existing condition exclusion periods on new policies and plans. Find out what a pre-existing condition exclusion period is.

Health Insurance Coverage of Pre-Existing Conditions:

Even if you are subject to a pre-existing condition exclusion period, you may be able to avoid gaps in health coverage. Find out whether your insurance will cover your pre-existing condition, and learn how to avoid gaps in coverage.