Understanding coverage for preexisting conditions

A pre-existing condition is a health problem you had before your insurance began. Many plans cover them poorly or not at all. WHAT TO CHECK • Does the plan exclude pre-existing conditions entirely? • Is there a waiting period before they are covered? • Are there limits on how much it will pay? • Do you need to disclose the condition when you apply? TIPS • Be honest on the application. If you hide a condition, the insurer can deny your claim later. • Ask for the answers in writing. • If your condition is serious or ongoing, look for a plan that specifically addresses it or consider paying for a higher tier of coverage. • Bring enough medication to bridge the gap and a letter from your doctor. • Plan for how you will get care if you have a flare-up. GOOD TO KNOW Some plans cover acute flare-ups but not routine care. Ask which situation applies to you. WATCH OUT FOR Do not assume the school's plan covers everything. Ask directly about chronic conditions, mental health, and prescriptions.