31 Medical Conditions That Are Considered Pre-Existing and Used To Be Denied Coverage

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May 10 2017 - 4:58pm

We hear a lot about pre-existing medical conditions that are covered or not covered by health insurance plans, but what are those? I had a wow moment when I saw this list of pre-existing medical conditions that I had no idea were considered pre-exsiting.

Examples and list of pre-existing medical conditions

When it comes to examples of pre-existing medical conditions a lot depends on the health insurance provider. Apparently they have the right to choose, accept or deny what counts as pre-existing. However, the following examples of pre-existing medical conditions were broadly used to deny people health insurance coverage, reports the Kaiser Family Foundation. This foundation is a non-profit organization, which focuses on health care and health insurance research.

As you know in early May of 2017 The U.S. House of Representatives passed the American Health Care Act (AHCA), which repealed and replaced the Affordable Care Act, or Obamacare, which has been in effect since 2010. Among other things, the AHCA, crafted by the House Republican Caucus, eliminates all of the taxes in Obamacare, eliminates the individual and employer mandate penalties, guarantees coverage to Americans with pre-existing conditions, allows adults under the age of 26 to stay on their parents’ health insurance, repeals Medicaid expansion and gives states more control over the program, and institutes a slew of tax credits to help Americans purchase insurance.

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"The passage in the House of the American Health Care Act signals we’ll likely see at least a partial repeal of some of the features of Obamacare. Protecting access to insurance for those with pre-existing conditions, while eliminating tax penalties and employer and patient mandates, is a move in the right direction. Assuming passage in the Senate, this will offer patients more choice of how and who provides their health care, including the freedom to choose a private or direct care model," wrote Brian R. Forrest, M.D., CEO and Network Manager, Access Healthcare Direct, Policy Advisor at The Heartland Institute. In eMaxHealth.com's earlier coverage you can read about the Benefits of Repealing Obamacare According to Heartland Experts.

List of Pre-Existing Medical Conditions

  1. AIDS/HIV
  2. Alcohol or drug abuse with recent treatment
  3. Alzheimer’s/dementia
  4. Anorexia
  5. Arthritis
  6. Bulimia
  7. Cancer
  8. Cerebral palsy
  9. Congestive heart failure
  10. Coronary artery/heart disease, bypass surgery
  11. Crohn’s disease
  12. Diabetes
  13. Epilepsy
  14. Hemophilia
  15. Hepatitis
  16. Kidney disease, renal failure
  17. Lupus
  18. Mental disorders (including Anxiety, Bipolar Disorder, Depression, Obsessive Compulsive Disorder, Schizophrenia)
  19. Multiple sclerosis
  20. Muscular dystrophy
  21. Obesity
  22. Organ transplant
  23. Paraplegia
  24. Paralysis
  25. Parkinson’s disease
  26. Pending surgery or hospitalization
  27. Pneumocystic pneumonia
  28. Pregnancy or expectant parent (includes men)
  29. Sleep apnea
  30. Stroke
  31. Transsexualism

Before the Obamacare, individual market health insurance providers in all but 5 states maintained lists of so-called declinable medical conditions: in other words a list of pre-existing deniable conditions. Patients with a current or past diagnosis of one or more listed conditions in the above examples were automatically denied health insurance coverage. Health insurance company lists varied somewhat from company to company.

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