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Carlton Group Insurance Services, Inc., Clarksville, TN

TN Health Insurance-Pre-Existing Condition

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.

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")

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Carlton Group Insurance Services, Inc (the Company) is authorized to solicit and transact business on behalf of MetLife® Bank in the state of Tennessee.   The Company is currently licensed by the Tennessee Department of Commerce and Insurance to solicit and take applications for life insurance; health insurance; annuities; and auto and home insurance in the entire state of Tennessee. 

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