Medicare.gov
, a pre-existing condition is a health problem you had before the date that new health coverage starts. This was one of the major talking points during the introduction of the Affordable Care Act when it was determined that health insurance companies could not charge you more or refuse coverage because of pre-existing conditions.CMS.gov
, up to half of all non-elderly Americans have at least one pre-existing condition. Some examples of common pre-existing conditions include:While insurers generally determine the presence of a pre-existing condition based on an applicant’s current health status, sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.
Medicare Advantage plans are not inherently bad
, as you might have heard. However, they are frequently misunderstood. For example, you can't be denied from joining a plan. But that same plan might deny coverage of specific treatment related to your condition and limit where you might seek treatment.our article here
.speak with a Medicare expert at Fair Square
during your Initial Enrollment Period. They can help you weigh your options and find your best-fit plan. And if you know what plan works best for you from the beginning, you don’t need to worry about switching plans. If switching plans becomes necessary due to your life circumstances, we can help with that too.13 Best Ways for Seniors to Stay Active in Indianapolis
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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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