TN Health Insurance-Pre-Existing Condition

TN Insurance-Auto Insurance, Home Insurance, Life, Health, Business, Dental Plans

A "pre-existing" condition may determine whether or not a health insurance policy is issued or when that particular health problem will be covered by health insurance.

Auto Insurance Help

What to do if your

vehicle is in an accident.

Which cars are

stolen most often in TN ?

Do you know the

most popular car colors ?

Things you can do to prevent auto theft.

What's covered under a business auto policy

in Tennessee?

What is a "pre-existing" condition ?

This is a tough one and there is no concrete answer, outside of your individual policy. Each insurance carrier has its own policies and procedures for determining and defining "pre-existing" conditions. Generally, pre-existing conditions are health conditions for which you are now receiving treatment; should have received treatment; or had treatment at some specific point in the past. Some insurance companies will accept "pre-existing" conditions, as long as they are fully disclosed on the initial application and provided they are not specifically excluded by rider when the policy is
issued. Other companies will not cover "pre-existing" conditions until there has been no treatment, including medications, for this condition for a specified period of time.

Before you purchase an individual health insurance policy, you need to know how the company treats "pre-existing" conditions, if you have any medical problems.
You also need to understand your rights under HIPPA (go back to the "Medical" main page and click on "What is HIPPA")