Numerous people have some health-related problems which insurance companies describe as the pre existing conditions. The pre-existing condition is a kind of health problem which existed prior to your applying for the health insurance policy or enrollment in any new health plan.
The insurance companies as well as health plans have their concerns in regard to their financial bottom line. This is because they have to keep their interests in mind. Due to this, they want to exclude those people who have any pre-existing condition. They may impose a certain waiting period prior to the start of the coverage. Or they might charge the higher health insurance premiums as well as out of pocket expenses.
The pre-existing condition could be something in the form of common as well as serious conditions like heart disease, cancer, high blood pressure, asthma, and type 2 diabetes. These chronic health difficulties have affected a big part of the current population. In case you have any relatively minor condition like hay fever, earlier accidental injury, then it can still deny a health coverage plan to you. You need to be very careful about it.
The pre-existing condition can surely affect the health insurance coverage. In case you apply to get insurance then some companies might conditionally accept you by giving an exclusion period for the pre-existing condition.
You get accepted for the health plan and you are paying the monthly premiums, but still you might not get coverage for the services and care in regard to the pre-existing condition. It all depends on your policy as well as the insurance regulations of your state. The exclusion period can vary between 6 and 18 months. This would give you a better idea about it.
In case you want an insurance coverage at your job, then it depends on your employer as well as the offered health plans. You might have some pre-existing exclusion period. But, this exclusion period gets limited to 12 months (or 18 months in case you enrolled for the health plan late). Moreover, it just gets applicable to health conditions for which you took treatment during 6 months prior to your enrollment in the health insurance for pre existing conditions. You simply need to analyze your situation and then go further ahead.