Can you get health insurance with pre-existing conditions?

Yes. Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. They don’t have to cover pre-existing conditions.

Does Indiana have ACA?

In Indiana, Affordable Care Act (Obamacare) open enrollment is over, but you may still qualify for 2021 coverage.

How does Cobra work in Indiana?

The Federal Consolidated Omnibus Budget Reconciliation Act (COBRA) requires the state of Indiana to offer covered employees and eligible family members the opportunity for a temporary extension of health coverage at group rates when coverage under the health plan would otherwise end.

What is considered a pre-existing condition for insurance?

As defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. Or it could be more serious or require more costly treatment – such as diabetes, heart disease, or cancer.

Can you be denied insurance for a pre-existing condition?

Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

How long can a pre-existing condition be excluded?

Conditions for Exclusion HIPAA allows insurers to refuse to cover pre-existing medical conditions for up to the first twelve months after enrollment, or eighteen months in the case of late enrollment.

Is it illegal to not have health insurance in Indiana?

However, the ACA requires everyone to have health insurance under what is known as “the individual mandate.” If you do not purchase health insurance for 2016, you may be subject to a tax penalty. The tax penalty for 2016 will be the HIGHER of the following options: 2.5 percent of your yearly filing threshold.

How do I get insurance in the state of Indiana?

You can purchase individual health insurance through the Health Insurance Marketplace. These are plans that meet government requirements per the Affordable Care Act. Learn more about ACA insurance options in Indiana. Call 1-844-253-4056.

How long does COBRA coverage last in Indiana?

If the covered employee was fired or her hours were reduced, you can have coverage under COBRA for 18 months. If you become disabled within the first two months of COBRA coverage, you can have coverage under COBRA for 29 months. In most other situations, the coverage can continue for 36 months.

How long can you get COBRA?

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA) , continuation of health coverage starts from the date the covered employee’s health insurance ends and, depending on the type of qualifying event, may last for 18 months, 29 months or 36 months.

What are common pre-existing conditions?

A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

Is back pain considered a pre-existing condition?

Some of the commonly understandable “pre-existing conditions” can be chronic illnesses like diabetes, high blood pressure, asthma etc. The “pre-existing conditions” can include chronic injuries like back pain too.

What does it mean to have a pre-existing Condition Insurance Plan?

A program created by the Affordable Care Act to provide a health coverage option if you were uninsured for at least six months, had a pre-existing condition, and were denied coverage (or offered insurance without coverage of the pre-existing condition) by a private insurance company.

How did pre-existing conditions work before Obamacare?

Prior to Obamacare, insurance companies could reject people for any number of pre-existing health conditions and people had to instead enroll in a pre-existing condition insurance plan (PCIP) — a health program specifically for individuals who had been rejected on the basis of a medical condition.

Do you have to disclose pre-existing conditions when buying health insurance?

But when buying a health insurance policy, there is a common mistake that people often make. That is-not disclosing the pre-existing medical conditions at the time of filling the proposal form. The reason may be simply because they think that insurance companies would not cover them for pre-existing diseases. But this is a myth.

Do you pay more for PCIP if you have a pre-existing condition?

The program will not charge you a higher premium just because of your medical condition. PCIP does not base eligibility on income. Previously, many states have run “high-risk pools” or other programs that offer insurance to people with pre-existing conditions.