Pre-Existing Condition
Insurance Glossary
A health condition a person already had before a policy took effect. Affordable Care Act plans may not deny coverage, charge more or exclude treatment because of one, and the same protection applies to employer group health plans. Other products treat them differently, since life and final expense underwriting relies on health history to set the price or decline an application, and short term health plans are not bound by the same rules.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.