please update your browser, or use an alternative browser such as google chrome, microsoft edge, or mozilla firefox for the best cigna.com experience. log in to manage your plan or sign up for online access today. a medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” conditions like diabetes, copd, cancer, and sleep apnea, may be examples of pre-existing health conditions. the aca made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition. if you are enrolled in a plan since 2010, then no, your insurer can’t legally deny you coverage or charge you higher premiums because you have a pre-existing condition.
if, however, you are enrolled in a plan that started before 2010, you have a “grandfathered plan.” these plans can cancel your coverage or can charge you higher rates due to a pre-existing condition. if you get pregnant before enrolling in a health plan, you cannot be denied coverage or charged more due to pregnancy. a health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment. however, there may be health plans that are a better fit for you than others if you have a chronic, or pre-existing, medical condition. if you have a chronic or ongoing medical condition that requires more frequent care, those needs could affect the type of plan you choose, but you cannot be denied coverage or charged more due to a pre-existing condition. selecting these links will take you away from cigna.com to another website, which may be a non-cigna website.
as attention focuses, again, on the possibility the affordable care act (aca) could be overturned, millions of people with pre-existing conditions have reason to be concerned. as defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. a pre-existing condition could be known to the person – for example, if she knows she is pregnant already. a pre-existing condition might be mild – for example, seasonal allergies or acne treated with simple medications. kff has estimated that in 2018 about 54 million non-elderly adults in the u.s. (27%) had “declinable” pre-existing conditions that would have made them “uninsurable” in the pre-aca individual health insurance market.
insurers maintained lists of health conditions for which applicants would routinely be denied coverage. but the individual market is where people go when they are between jobs that offer health benefits and ineligible for public plan coverage such as medicare or medicaid. if it would revert to medically underwritten coverage – as it was prior to the aca in most states – these 54 million adults could be uninsurable if they were laid off from their job and lost their job-based health benefits. in addition to declinable conditions, these estimates took into account conditions that would not necessarily get a person denied when applying for individual health insurance then, but that could trigger other adverse actions. in 60 applications for coverage, this person was rejected 33 times (55%); offered a policy with surcharged premiums 25 times (42%), and offered coverage with no restrictions or premium surcharges twice (3%).
in the context of healthcare in the united states, a pre-existing condition is a medical condition that started before a person’s health insurance went into effect. before 2014, some insurance policies would not cover expenses due to pre-existing conditions. health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had a health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. insurance companies can’t refuse to cover a medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” conditions like diabetes, .
declinable conditions included aids/hiv, congestive heart failure, diabetes, epilepsy, severe obesity, pregnancy, and severe mental disorders. a preexisting condition is an illness or health condition that existed prior to applying for health or life insurance. a pre-existing condition is a medical condition that is excluded from coverage by an insurance company because the condition was believed to exist prior to, .
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