Do health insurance plans cover pre-existing conditions and medications I am already taking?
There are three types of plans available, each treating pre-existing conditions and medications differently.
Guaranteed Acceptance plans will cover pre-existing conditions and medications without requiring a medical questionnaire.
Guaranteed Issue plans cater to those leaving an employee group benefits plan, covering pre-existing conditions and medications without a medical questionnaire if you transition within 60-90 days of your group benefits terminating.
Medically Underwritten plans exclude pre-existing conditions and medications, only covering new conditions and medications after the coverage starts.
Guaranteed Acceptance plans will cover pre-existing conditions and medications without requiring a medical questionnaire.
Guaranteed Issue plans cater to those leaving an employee group benefits plan, covering pre-existing conditions and medications without a medical questionnaire if you transition within 60-90 days of your group benefits terminating.
Medically Underwritten plans exclude pre-existing conditions and medications, only covering new conditions and medications after the coverage starts.