Defining Pre-Existing Medical Conditions

There are 365 days a year and 24 hours in a day. The only guarantee in life is that things will regularly change. At some point, we will get sick or injured, and hopefully, we will have our health insurance to help us. Sometimes it can be hard to sift through all of the information related to our health policies with things changing all the time. As new bills and laws are passed, it becomes hard to keep up. One of the things that have changed is that people have to worry about whether their pre-existing condition will be covered by insurance. Peck Insurance Agency wants to help by providing information about pre-existing conditions so the people of McConnellsburg, PA will be well informed.     

Many of us have heard the term pre-existing condition, but chances are we don’t know what that means. According to Healthcare.Gov, a pre-existing condition is a medical condition you had before the start of your current health insurance policy. Before the Affordable Care Act was passed, insurance companies were allowed to deny people coverage if they had a pre-existing condition. This process was known as underwriting and insurance companies denied people coverage for everything from Adult Acne to Lyme Disease. After the Affordable Care Act was passed, insurance companies were not allowed to deny people coverage due to pre-existing conditions.

Options for people needing individual insurance are few, and even harder to find for people with a pre-existing condition. There are many options out there, and Peck Insurance Agency wants to help anyone needing insurance in McConnellsburg, PA. Reach out to our agents to discuss a health insurance policy and find out how you can get covered.