Pre-existing Conditions

Pre existing conditions were concerns before “ObamaCare.” Previously insurance companies would refuse coverage or limit coverage when an employee had a medical condition. When a person applied for individual coverage, they would be declined. Now insurance companies enforce an open enrollment rule. There are rules for when you can enroll. Having open enrollment rules controls cost for the insurance companies. The pre-existing condition rule can still exist under certain circumstances. It is wise to ask when enrolling.