Did you know that if you have a pre-existing condition, no insurance company can charge you more, deny your coverage, or refuse to pay for critical health benefits?
What does it mean to have a pre-existing condition?
- A pre-existing condition means a health problem that you had prior to the start date of your new health coverage.
- Pre-existing conditions include epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy.
Is my pre-existing condition going to influence my health insurance coverage?
- No, beginning on the first day of coverage, treatment for any pre-existing medical condition is covered.
- Once you’ve enrolled, your insurance company can’t refuse coverage or raise your costs solely because of your health.
- Annual or lifetime coverage limits are not allowed in Marketplace plans.
What if I’m expecting a child?
- If you were pregnant when you applied, your insurance plan could not deny you or charge you more because of it.
- Your pregnancy and deliveries are covered from the day your plan begins once you’ve joined.
Learn more about coverage for pre-existing conditions.
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