What qualifies as a prexisting condition?
August 16, 2009 3:29 PM Subscribe
What exactly qualifies as a preexisting condition? Do/did I have one?
posted by Tsuga to health & fitness (7 answers total) 2 users marked this as a favorite
I've been hearing a lot on Mefi and elsewhere lately about how health insurance companies sometimes deny coverage because of a preexisting condition, and I'm trying to get a handle on how pernicious this practice is. Fortunately for me, I'm part of a group plan provided to graduate students at my university, which two years ago paid for my surgery to have a nasopharyngeal angiofibroma (a benign growth that was blocking up my nose) removed. The doctor told me that the mass had likely been growing for many years.
1. If I had started on a private plan during that time the mass was growing, could I have been denied coverage because this was a preexisting condition?
2. I've had several check-ups since the surgery. There is no sign of the mass returning, and my doctor says it is very unlikely that it ever will. Could I be denied private health insurance or have to pay higher rates because of having had the growth? If something else unrelated goes wrong with my nose, how likely would it be that I would be denied coverage because of having previously had this mass?
I know it's unlikely that others have had the exact same medical condition; I would be curious to hear what conditions you have had that lead to denial of coverage (or not) by private insurance companies.
(Needless to say, I'm an American.)