How to Know If You Have a Pre-Existing Condition
- Do you know what a pre-existing condition is?
- Do you know if you have one?
- Would you be surprised to learn that you just might have one?
People tend to assume that the term "pre-existing condition" is only used to describe serious health issues such as cancer or heart disease, but the truth is that insurance companies have quite a long list of ailments that fall under this definition, some of which you wouldn't believe!
For example, acne, heartburn and acid reflux are on some insurance company lists, and pregnancy and transsexualism are on others.
Since lists can vary from company to company, it will pay you to check them out before investing in a policy.
Insurers want the general public to think that they will only have problems with their policies if they suffer from serious ailments, but as you can see, you don't have to have a life-threatening illness to have them decide that you have a pre-existing condition.
Assuming that you don't have a listed ailment can give you a false sense of security, but feeling this way can be a very costly mistake because having a listed health problem can create unbelievably high health care costs for you.
Are You on "The List"?
Because people make the wrong assumptions about this issue, they don’t take the time to read their insurance policies to see exactly what conditions are not covered.
They feel that if they are not seriously ill, they don’t have to worry.
While it is true that the list of non-covered conditions can vary from company to company and can even change from year to year, it is more important than you may think to find out what is on a given list before you sign up for a health care policy because your condition may be on it!
Parital List of Lesser Known Pre-Existing Conditions
Would you be surprised if I told you that issues such as high blood pressure, acne, and anxiety are considered by some companies to be pre-existing conditions?
Would you also be surprised to learn that if you are looking for a new policy or have let your previous policy lapse that having one of these conditions could keep you from obtaining coverage?
The truth is that there are approximately 52 million people who will be facing this issue because their problem existed before a new health care plan took effect, or they allowed themselves to remain uncovered for a period of time before seeking new coverage.
So, what are some of the unexpected conditions aside from the major ones that you might see on such a list?
- Acid Reflux
- Drug and Alcohol Addiction
- High Cholesterol
- Menstrual irregularities
- Pending surgery or hospitalization
Think about this for a minute. Just about all people have or have had at least one of these issues, which means many might be penalized by insurers given the right circumstances.
There Are No Guarantees
People often think that because they are healthy today, they’ll be well tomorrow as well.
Life doesn’t work like that.
Anybody can get sick or have an accident at any time, thus putting himself on the list of those who have pre-existing conditions. I knew a young woman who had just opened her own beauty shop with the help of some financing provided by her father. She was very good at what she did, and her future looked bright. One night, after she had closed up her shop, she was crossing a busy street and got hit by a car. She lay in the hospital for months and ran up bills of more than a million dollars. Medicaid paid her bills, but she never totally recovered. She lost her business, her income and her fiancé, and will spend the rest of her life suffering from the traumatic injuries caused by her accident.
This is but one real life example of how quickly things can happen to people and is why you need to make sure that the insurance policy you purchase covers your conditions.
What Can You Do?
The first thing you should do is make a list of every health issue you have and then check the internet to see if any of them are listed.
The second thing to do is to check your insurance policy to see if your condition is covered. At this writing, if you are using an Obamacare policy, it probably is. However, if Obamacare is repealed, this could change.
To make sure that it doesn't. flood your national politicians with hard copy letters demanding that they retain pre-existing clauses in any new health care plan they develop. Let them know that if they do not comply, they can expect to lose your vote.
Believe me, this will work.
When it does, none of us will have to worry again about having pre-existing conditions, and none of us will have to be penalized financially because we get sick.
If something as minimal as having acne can put you on the list, imagine the things they will add to it in the future!
Now is the time to act. We owe it to ourselves as Americans and human beings to protect ourselves from politicians who are not looking out for our best interests.
Will you contact your senator or congressman to demand that he say "no" to adding pre-existing conditions clauses into health care plans?
In doing my research for this article, which was written on May 7, 2017, I referred to the following information:
"Measure on Pre-existing Conditions Energizes Opposition to Health Care Bill," by Alexander Burns and Abby Goodnough, New York Times, May 5, 2017.
"Pre-Existing Conditions," HHS.Gov, January 31, 2017, Assistant Secretary for Public Affairs.
"Here's a Partial List of All the Pre-Existing Conditions the GOP Bill May Not Cover," by Nicole Chavez, CNN, May 6, 2017.
"Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse," The American Association for Justice.
As I researched, I became increasingly concerned. I suffer from a number of different health problems, several of which clearly fall into the category of pre-existing conditions.
As many of my fellow Americans often do, I assumed that only the most serious conditions would be included on "the list." I wanted everybody who reads this article to learn, as I did, that you can have a seemingly simple health issue that could, indeed, bankrupt you if this bill passes.
This article is a call to action that I hope many will heed. To do otherwise is to bring unnecessary suffering and death to a multitude of American citizens.
© 2017 Sondra Rochelle