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Just what does that mean?

What is a pre-existing condition? Something for which an individual has been treated in a pre-determined time before health insurance coverage starts, normally 12- 18 months.

When does a pre-existing condition normally become a covered charge? Once an insured has been on a plan for a pre-determined time, normally 12 months.

Is there not some credit for having had coverage before the new plan started? Most plans now waive the pre-existing limitations if an insured can prove prior coverage.

So what is going to be different? Starting September 23, 2010 no pre-existing conditions limitations can be imposed on any insureds under age 19. Effective January 1, 2014 this same rule will apply to all insureds irrespective of age.

How will this affect my coverage? If you need to change coverage from one carrier to another this legislation should make the task less daunting. But be aware that, as more claims will be covered sooner, rates will likely escalate even more than before. And that brings us to a future topic : how can an insurance company keep increasing my rates by so much when I never even use my plan?

Please forward questions to : Just what does that mean?

What is a pre-existing condition? Something for which an individual has been treated in a pre-determined time before health insurance coverage starts, normally 12- 18 months.

When does a pre-existing condition normally become a covered charge? Once an insured has been on a plan for a pre-determined time, normally 12 months.

Is there not some credit for having had coverage before the new plan started? Most plans now waive the pre-existing limitations if an insured can prove prior coverage.

So what is going to be different? Starting September 23, 2010 no pre-existing conditions limitations can be imposed on any insureds under age 19. Effective January 1, 2014 this same rule will apply to all insureds irrespective of age.

How will this affect my coverage? If you need to change coverage from one carrier to another this legislation should make the task less daunting. But be aware that, as more claims will be covered sooner, rates will likely escalate even more than before. And that brings us to a future topic : how can an insurance company keep increasing my rates by so much when I never even use my plan?

Please forward questions to : ericadumpel@bellsouth.net.