An insurer reasonably applied a pre-existing condition
provision in denying long-term disability benefits to an employee who was treated during an ERISA plan's "look-back" period for what was believed to be a nerve disorder but turned out to be cancer, a U.S.
Back in February, 20 states (including Arizona)filed the lawsuitseeking to invalidate the three legs of the ACA stool: pre-existing condition
exclusions, community rating, and guaranteed issue.
Any pre-existing condition
look-back period cannot exceed 24 months.
If you had cancer or diabetes or even a Caesarean section, insurance companies labeled it a pre-existing condition
and slapped you with a whopping insurance premium.
After the 2010 passage of the ACA, the industry kept lobbying on the pre-existing condition
issue - and this week, the House passed a bill to repeal the ban on insurance companies discriminating against sick people.
Obesity, therefore, can be classified as a pre-existing condition
. Nearly 53 million Americans are obese and fall under this pre-existing condition
Even the most ardent Obamacare detractors admit that they like the part of the law that allows Americans with pre-existing conditions
access to healthcare (before Obamacare a pre-existing condition
meant insurance companies could deny you coverage).
The Pre-Existing Condition
Insurance Plan (PCIP) was launched in July 2010 with $5 billion in funding from the Affordable Care Act.
That is the amount of money allocated in the Affordable Care Act (ACA) to serve as bridge funding for persons who have been denied healthcare insurance due to a PRE-EXISTING CONDITION
When a client enters your office to purchase individual health insurance, it can be difficult to find adequate coverage if they have significant pre-existing conditions
. Although the recently enacted health care reform bill calls for a ban on pre-existing condition
limitations by 2014, that still leaves less-than-healthy consumers up in the air on coverage for the next three to four years.
The health insurance business needs help and while it's true the business is not a kid, it sure has a pre-existing condition