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Pre-Existing Condition

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Updated January 05, 2010

Definition:

Many Americans have health-related problems that insurance companies define as pre-existing conditions. A pre-existing condition is a health problem that existed before you apply for a health insurance policy or enroll in a new health plan.

Examples:

A pre-existing condition can be something as common and as serious as heart disease, high blood pressure, cancer, type 2 diabetes, and asthma – chronic health problems that affect a large portion of the population. Even if you have a relatively minor condition such as hay fever or a previous accidental injury, a health plan can deny coverage.

More Information from Dr. Mike:

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