Can I be turned down because of pre-existing conditions? Will my pre-existing conditions be covered?
December 21, 2013
Have you had trouble getting health insurance or had limited coverage because of pre-existing health conditions? Good news! All that is about to change.
Pre-exsiting conditions won't keep you from getting coverage:
Starting in 2014, health insurance plans can't refuse to cover you or charge you more premium each month just because you have a pre-existing condition. Coverage for pre-existing conditions begins immediately.
And once your covered, your plan can't refuse to cover treatment for pre-existing conditions or charge you extra at renewal because of how often you used your plan.
All this is true even if you've been turned down in the past for pre-existing conditions.
An exception to the rule is Grandfathered individual and family health plans:
Grandfathered plans fall under the old rules and do not have to cover pre-existing conditions. These would be plans that you purchased yourself - not through an employer or government plan.
You can switch to a new plan starting January 1, 2014 to have your pre-existing conditions covered. Pregnancy is also a covered benefit then, along with 10 Essential Health Benefits - all with no yearly or lifetime benefit limits so you can't run out of insurance for core care.
But remember, you must enroll during Open Enrollment.