Pre-Existing Conditions Myths Answered

DEAR MISINFORMED:

The Kaiser Foundation put out a list of “common pre-existing conditions” recently that seems many have pickup and passed around trying to scare the rest of us. Typical Social Media.

WELL GUESS WHAT? These and many other conditions were pre-existing prior to the ACA. Pre-existing is not new. If you are born with condition under your parents in-force medical policy, it is not a pre-existing condition. Think about it.

Under the ACA, there is no pre-existing conditions. This is one of the many reasons the cost of insurance has skyrocketed over the last several years. Some people wait to join the marketplace until they have a severe condition seeking treatment, worst many of those then cancelled once their condition was corrected a few months later leaving those insured to pay higher rates the next year.

Just because you have Anxiety or any other medical condition, does not immediately mean under the new health care directive, it will be pre-existing.

Only those who do not have prior coverage will be faced with the potential of pre-existing for that condition up to 12 months. AFTER 12 months of continuous coverage, there is no pre-existing.

PRE-EXISTING DOES NOT APPLY TO THOSE WHO CURRENTLY HAVE AND MAINTAIN HEALTH INSURANCE WITHOUT A BREAK IN COVERAGE OF MORE THAN 63 DAYS IN THE LAST 12 MONTHS.

Did you know each State will determine which one of three options made available as to how they will address health care in their respective State by use of Waivers (to be defined) and High Risk Pools and Block Grants for Medicaid Expansion?
Now just because the AHCA passed the HOUSE does not make it LAW. It still must pass the Senate.

Finally, until someone starts to address the COST of care, Prescription Drug Cost, the funding for those drugs to come to market, and the LEGAL industry & lawsuit caps… we have no chance of solving the Nations Health Care Issues!

Don’t get me wrong…I am not agreeing with the way our representatives are trying to force any health care system upon us. This needs to be thought through carefully and meticulously with all aspects considered before forcing another disastrous law upon each of us.

And Yes do know what I am taking about! I have specialized in health insurance for the last 22 years…

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