A pre-existing condition is a medical issue that you've had previously prior to getting health insurance. One example of a pre-existing condition is diabetes. In the state of Texas, that would fall under the definition for pre-existing conditions. If you have health insurance in Texas, you may have to wait several months or years before the insurance will pay for claims in regard to that condition.
You are required by law to inform your insurance company of any pre-existing conditions on your application. If you do not divulge this information your health insurance policy in Texas may be cancelled and you may be required to repay any claims that they have already covered on your behalf.
According to their individual policy requirements, your health insurance company in Texas will usually classify a pre-existing condition any medical condition for which there was a diagnosis and/or treatment prior to signing on with their insurance. For many types of health insurance in Texas, a pre-existing condition may also be recognized with an individual health care plan. Individual health care plans will examine your medical history as far as the past five years and employer sponsored health insurance plans generally only view the last six months.
There are some health insurance companies that will refuse to cover you if you have a pre-existing condition. If they do cover you, then they can ask for a policy rider. A policy rider will not cover anything related to the treatment of that condition. For health care plans that are sponsored by your employer, there can be a waiting period of up to a year. The waiting period for individual health insurance plans in Texas is two years.
In the state of Texas, regardless of whether or not you have a pre-existing condition, you may still have to go through a waiting period. If that happens to you, the waiting period for pre-existing conditions begins on the first day of the waiting period. If you have health insurance in Texas that is an HMO plan, then you can have a waiting period of no more than three months.
If you already have health insurance in Texas and you're switching plans, then you may not have to wait as long. If there is a gap before you get new health care coverage it has to be within two months. If there are any lapses after that, you may have to wait longer to get health insurance.
If you have a pre-existing medical condition, it is vital that you understand the rules that pertain to your health insurance in Texas. You need insurance more than most people and you must be careful to protect yourself and your rights. Read the fine print on your insurance policy carefully and if you must change carriers, be sure that you completely understand their policies about pre-existing medical conditions before you cancel your current insurance, otherwise you could be stuck in the dangerous position of being without insurance. - 15246
You are required by law to inform your insurance company of any pre-existing conditions on your application. If you do not divulge this information your health insurance policy in Texas may be cancelled and you may be required to repay any claims that they have already covered on your behalf.
According to their individual policy requirements, your health insurance company in Texas will usually classify a pre-existing condition any medical condition for which there was a diagnosis and/or treatment prior to signing on with their insurance. For many types of health insurance in Texas, a pre-existing condition may also be recognized with an individual health care plan. Individual health care plans will examine your medical history as far as the past five years and employer sponsored health insurance plans generally only view the last six months.
There are some health insurance companies that will refuse to cover you if you have a pre-existing condition. If they do cover you, then they can ask for a policy rider. A policy rider will not cover anything related to the treatment of that condition. For health care plans that are sponsored by your employer, there can be a waiting period of up to a year. The waiting period for individual health insurance plans in Texas is two years.
In the state of Texas, regardless of whether or not you have a pre-existing condition, you may still have to go through a waiting period. If that happens to you, the waiting period for pre-existing conditions begins on the first day of the waiting period. If you have health insurance in Texas that is an HMO plan, then you can have a waiting period of no more than three months.
If you already have health insurance in Texas and you're switching plans, then you may not have to wait as long. If there is a gap before you get new health care coverage it has to be within two months. If there are any lapses after that, you may have to wait longer to get health insurance.
If you have a pre-existing medical condition, it is vital that you understand the rules that pertain to your health insurance in Texas. You need insurance more than most people and you must be careful to protect yourself and your rights. Read the fine print on your insurance policy carefully and if you must change carriers, be sure that you completely understand their policies about pre-existing medical conditions before you cancel your current insurance, otherwise you could be stuck in the dangerous position of being without insurance. - 15246
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Pre-existing conditions are the number 1 obstacles to obtaining Texas Health Insurance. Call a Texas Health Insurance Company that can assist you with finding the right insurance company that can provide you with the coverage you deserve.
