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.
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speak with a Medicare expert at Fair Squareduring 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.
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