Insurance companies typically define preexisting conditions as those conditions a patient had either been diagnosed with or received treatment for before enrolling in their current health plan. Examples include chronic illnesses, depression, diabetes, epilepsy, lupus, various forms of cancer, and more. Since January 1, 2014, it has been illegal for health insurance companies to refuse to cover or charge individuals more for their preexisting conditions, nor can they limit benefits for such conditions.
No insured person can be denied treatment for their preexisting conditions. As such, it is easier than ever for patients to find the right insurance policy for them. Still, certain health insurance plans may be a better fit for certain conditions. Those with chronic or ongoing illnesses, for instance, may benefit from choosing policies that allow more frequent care. Patients must have a comprehensive understanding of their medical needs when selecting a health insurance plan. For many, this can begin with a consultation with a complete health dentist.