One of the questions that we at AS Insurance Agency, serving the greater Manchester, NH region, are often asked in regard to medical insurance is how I know if something is considered to be a pre-existing condition. This is important to know, as some insurance companies will deny care for a pre-existing condition.
What Is Considered a Pre-Existing Condition?
Pre-existing conditions typically refer to health conditions that existed before the start of the insurance policy. The policy may define a specific look-back period, which is the duration during which the insurer will review your medical history to identify pre-existing conditions. Common look-back periods are typically around six months to a year.
What to Know About Look-Back Periods
Most health insurance companies have look-back periods of six to 12 months in regard to pre-existing conditions. This means that you usually need to go six- to 12 months without having been treated, taken medication for, or used medical devices for a medical condition in order for it to not be considered a pre-existing condition.
What If I Am Unsure If Something Is a Pre-Existing Condition?
If you have specific health concerns or medical conditions, it’s advisable to consult directly with the insurance provider. They can provide guidance on how their policy defines and handles pre-existing conditions and offer clarity on any coverage limitations or waiting periods that may apply.
Give Us A Call
Selecting the right medical insurance policy for your needs can be challenging, especially if you have questions about the policy or terminology. If you are looking to purchase a new health insurance policy in the greater Manchester, NH area, let the insurance agents at AS Insurance Agency help you find your next policy.
