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Pre-existing condition

September 04, 2023

This article is about the term in health insurance. For medical use of the term, see Complication (medicine).

In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health insurance went into effect. Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions have been prohibited since January 1, 2014, by the Patient Protection and Affordable Care Act.

According to the Kaiser Family Foundation, more than a quarter of adults below the age of 65 (approximately 52 million people) had pre-existing conditions in 2016.

Definitions Edit

The University of Pittsburgh Medical Center defines a pre-existing condition as a "medical condition that occurred before a program of health benefits went into effect".[1] J. James Rohack, president of the American Medical Association, has stated on a Fox News Sunday interview that exclusions, based upon these conditions, function as a form of "rationing" of health care.[2]

Conditions can be broken down into two further categories, according to Lisa Smith of Investopedia:[3]

Most insurance companies use one of two definitions to identify such conditions. Under the "objective standard" definition, a pre-existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan. Under the broader, "prudent person" definition, a pre-existing condition is anything for which symptoms were present and a prudent person would have sought treatment.

Which definition may be used was sometimes regulated by state laws. Some states required insurance companies to use the objective standard, while others required the prudent person standard. 10 states did not specify either definition, 21 required the "prudent person" standard, and 18 required the "objective" standard.[4]

According to the Kaiser Family Foundation, more than a quarter of adults below the age of 65 (approximately 52 million people) had pre-existing conditions in 2016.[5]

Current U.S. federal regulation Edit

Patient Protection and Affordable Care Act (Pub.L. 111–148) enacted March 23, 2010[6]
  • Immediate reform: effective June 21, 2010 (90 days after enactment)
    • National high-risk pool for individuals with a pre-existing condition who have been uninsured for the prior 6 months
      • Premium to be set at a standard rate for a standard population
      • Premium for older individuals allowed to be up to 4 times the premium for younger individuals
      • Premium for tobacco users allowed to be up to 1.5 times the premium for non-tobacco users
  • Immediate reform: effective September 23, 2010 (6 months after enactment)
    • Group health insurance plans and new (non-grandfathered) individual health insurance plans[7]
      • Pre-existing condition exclusions prohibited for children under age 19
  • Reform delayed for 4 years: effective January 1, 2014
    • Individual and group health insurance plans
      • Pre-existing condition exclusions prohibited in all health insurance plans
      • Prohibit treating acts of domestic violence as a pre-existing condition
      • Waiting period for enrollment in new health insurance plans limited to 90 days
    • Grandfathered existing health insurance plans must prohibit pre-existing condition exclusions by January 1, 2014

Former regulation Edit

Regulation of pre-existing condition exclusions in individual (non-group) and small group (2 to 50 employees) health insurance plans in the United States was left to individual U.S. states as a result of the McCarran–Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 (ERISA) which exempted self-insured large group health insurance plans from state regulation. After most states had by the early 1990s implemented some limits on pre-existing condition exclusions by small group (2 to 50 employees) health insurance plans, the Health Insurance Portability and Accountability Act (Kassebaum-Kennedy Act) of 1996 (HIPAA) extended some minimal limits on pre-existing condition exclusions for all group health insurance plans—including the self-insured large group health insurance plans that cover half of those with employer-provided health insurance but are exempt from state insurance regulation.[8][9][10][11][12][13]

Individual (non-group) health insurance plans[14][15]
Small group (2 to 50 employees) health insurance plans[16]
Large group (self-insured) health insurance plans
  • Maximum pre-existing condition exclusion period
    • 12 months: 50 states + DC
  • Maximum look-back period for pre-existing conditions
    • 6 months: 50 states + DC

Pre-existing condition exclusions were prohibited for HIPAA-eligible individuals (those with 18 months continuous coverage unbroken for no more than 63 days and coming from a group health insurance plan).

Individual (non-group) health insurance plans could exclude maternity coverage for a pre-existing condition of pregnancy.[2]

Group health insurance plans sponsored by employers with 15 or more employees were prohibited by the Pregnancy Discrimination Act of 1978 from excluding maternity coverage for a pre-existing condition of pregnancy; this prohibition was extended to all group health insurance plans by the Health Insurance Portability and Accountability Act of 1996 (HIPAA).[2]

Practice and effect Edit

Advocates against pre-existing condition rules argue that they cruelly deny people in need of treatment. State Farm spokeswoman K.C. Eynatten has said, "We realized our position was based on gut feelings, not hard numbers... we became aware that we were part of the reason a woman and her children might not leave an abuser. They were afraid they'd lose their insurance. And we wanted no part of that."[17] Jerry Flanagan, health-care policy director of Consumer Watchdog, has stated that "insurance companies want premiums without any risk" and go to extreme "lengths... to go to make a profit".[18] InsureMe, an insurance quote provider website, has argued that even though health insurance is basically to protect people from very high costs of health care, the commercial health insurance system is not playing fair and are always trying to avoid risk in order to boost their profits.[19]

Some practices by some health insurance companies, such as determining domestic violence to be an excludable pre-existing condition, have been called abuses by Maria Tchijov, a Service Employees International Union new media coordinator, and by an Office of Rural Health Policy report.[17][20][21]

The rationale behind pre-existing condition clauses, according to those who defend the policies, is that they reduce the cost of health insurance coverage for those who still receive it, thus giving more people an opportunity to afford insurance in the first place.[17][22] The San Francisco Chronicle has reported that "[c]osts for those with coverage could go up because people in poor health who'd been shut out of the insurance pool would now be included... they would get medical care they could not access before."[22] Senator Mike Enzi, a Republican from Wyoming, has voted to allow insurance companies to consider domestic violence as a pre-existing condition and supported his vote by saying that covering such people could raise insurance premiums to the point where it would preclude others from buying it. He has remarked that "If you have no insurance, it doesn't matter what services are mandated by the state".[17][23]

According to the California-based advocacy group Consumer Watchdog, other possible situations falling under pre-existing condition clauses are chronic conditions as acne, hemorrhoids, toenail fungus, allergies, tonsillitis, and bunions, hazardous occupations such as police officer, stunt person, test pilot, circus worker, and firefighter, and pregnancy and/or the intention to adopt.[18]

Commentary by lawmakers Edit

According to a Reason.com libertarian opinion blog by Peter Suderman, the 'Pledge to America' issued by the Republican Party in September 2010 stated, "Health care should be accessible for all, regardless of pre-existing conditions or past illnesses.... We will make it illegal for an insurance company to deny coverage to someone with prior coverage on the basis of a pre-existing condition."[24] In a March 3, 2010, address, President Barack Obama said that coverage denied to those with pre-existing conditions is a serious problem that would only grow worse without major reforms.[25] In a September 2010 visit with Falls Church, Virginia, residents, Obama referred to a woman with an eye condition and a woman with non-Hodgkin's lymphoma as personal examples in the audience of those benefiting from changing pre-existing condition rules.[26]

Public opinion Edit

A Time-Abt SRBI poll in late July 2009 found that a large majority of Americans (80%) favored a requirement that insurance companies insure people even if they have pre-existing conditions.[27]

In September 2009, the monthly Kaiser Health Tracking Poll report said:[28]

The public's most unanimous and bipartisan support is saved for a proposal to have the federal government require that health insurance companies cover anyone who applies, even if he/she has a pre-existing condition. Overall, eight in ten back the proposal, including 67 percent of Republicans, 80 percent of political independents and 88 percent of Democrats.

See also Edit

References Edit

  1. ^ . Pittsburgh: University of Pittsburgh Medical Center (UPMC). 2010. Archived from the original on October 3, 2010. Retrieved January 16, 2010.
  2. ^ a b c Jacobson, Louis (August 18, 2009). "Pregnancy a 'pre-existing condition'? Yes, for some". PolitiFact.com. Retrieved January 17, 2010.
  3. ^ Smith, Lisa (February 16, 2009). "Health insurance: paying for pre-existing conditions". Investopedia. Retrieved January 17, 2010.
  4. ^ "Individual Market Portability Rules (Not Applicable to HIPAA Eligible Individuals)". July 21, 2014. Retrieved March 8, 2019.
  5. ^ Julie Rovner (October 11, 2018). "FACT CHECK: Who's Right About Protections For Pre-Existing Conditions?". NPR.org. Retrieved October 12, 2018.
  6. ^ "Side-by-side comparison of major health care reform proposals" (PDF). Washington, DC: Kaiser Family Foundation. March 22, 2010.
  7. ^ U.S. Department of Health and Human Services (June 28, 2010). "Patient Protection and Affordable Care Act; Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and Affordable Care Act Relating to Preexisting Condition Exclusions, Lifetime and Annual Limits, Rescissions, and Patient Protections; Final Rule and Proposed Rule". Federal Register. 75 (123): 37187–37241. Retrieved July 26, 2010.
  8. ^ Gabel, Jon; Liston, Derek; Jensen, Gail; Marsteller, Jill (Spring 1994). "The health insurance picture in 1993: some rare good news" (PDF). Health Affairs. 13 (1): 327–336. doi:10.1377/hlthaff.13.1.327. PMID 8188152. Retrieved February 22, 2010.
  9. ^ Kassebaum, Nancy Landon; Kennedy, Edward M.; et al. (August 21, 1996). "Public Law 104-191. Health Insurance Portability and Accountability Act of 1996 (HIPAA)" (PDF). Washington, D.C.: Government Printing Office. Retrieved February 22, 2010.
  10. ^ Atchkinson, Brian K.; Fox, Daniel M. (May–June 1997). "The politics of the Health Insurance Portability and Accountability Act" (PDF). Health Affairs. 16 (3): 146–150. doi:10.1377/hlthaff.16.3.146. PMID 9141331. Retrieved February 22, 2010.
  11. ^ Nichols, Len M.; Blumberg, Linda J. (May–June 1998). "A different kind of 'new federalism'? The Health Insurance Portability and Accountability Act of 1996" (PDF). Health Affairs. 17 (3): 25–42. doi:10.1377/hlthaff.17.3.25. PMID 9637965. Retrieved February 22, 2010.
  12. ^ Pollitz, Karen; Tapay, Nicole; Hadley, Elizabeth; Specht, Jalena (July–August 2000). "Early experience with 'new federalism' in health insurance regulation" (PDF). Health Affairs. 19 (4): 7–22. doi:10.1377/hlthaff.19.4.7. PMID 10916957. Retrieved February 22, 2010.
  13. ^ Gabel, Jon R.; Jensen, Gail A.; Hawkins, Samantha (March–April 2009). "Self-insurance in times of growing and retreating managed care" (PDF). Health Affairs. 22 (2): 202–210. doi:10.1377/hlthaff.22.2.202. PMID 12674423. Retrieved February 22, 2010.
  14. ^ Georgetown Health Policy Institute (January 2010). "Individual market portability rules (not applicable to HIPAA eligible individuals), January 2010". Washington, D.C.: Kaiser Family Foundation. Retrieved March 31, 2010. {{cite web}}: |author= has generic name (help)
  15. ^ Georgetown Health Policy Institute (January 2010). "Non-group coverage rules for HIPAA eligible individuals, January 2010". Washington, D.C.: Kaiser Family Foundation. Retrieved March 31, 2010. {{cite web}}: |author= has generic name (help)
  16. ^ Georgetown Health Policy Institute (January 2010). "Small group health insurance market pre-existing condition exclusion rules, January 2010". Washington, D.C.: Kaiser Family Foundation. Retrieved March 31, 2010. {{cite web}}: |author= has generic name (help)
  17. ^ a b c d Grim, Brian (September 14, 2009). "When getting beaten by your husband is a pre-existing condition". The Huffington Post. Retrieved September 19, 2009.
  18. ^ a b Hilzenrath, David S. (September 19, 2009). "Acne, pregnancy among disqualifying conditions". The Washington Post. p. A3. Retrieved January 16, 2010.
  19. ^ "Health insurance tricks to beware of". allinsuranceinfo.org. 2007. Retrieved January 20, 2010.
  20. ^ Johnson, Rhonda M. (August 30, 2000). . Washington, D.C.: Office of Rural Health Policy. Archived from the original on April 25, 2009. Retrieved September 15, 2009.
  21. ^ Tchijov, Maria (September 11, 2009). . SEIU Blog. Service Employees International Union. Archived from the original on September 16, 2009. Retrieved September 15, 2009.
  22. ^ a b Ricardo Alonso-Zaldivar; Trevor Tompson (November 17, 2009). "Americans fear health law's costs poll finds". San Francisco Chronicle. Retrieved January 16, 2010.[dead link]
  23. ^ Alonso-Zaldivar, Ricardo; Tompson, Trevor (November 17, 2009). "Americans fear health law's costs poll finds". San Francisco Chronicle. Associated Press). p. A118. Retrieved January 16, 2010.
  24. ^ Suderman, Peter (opinion blog) (September 23, 2010). "What the GOP's Pledge has in common with ObamaCare". Hit and Run. Reason. Retrieved September 23, 2010.
  25. ^ "Text of President Obama's health-care speech". March 3, 2010. Retrieved September 15, 2018.
  26. ^ Aizenman, N. C.; Kornblut, Anne E. (September 23, 2010). "Obama returns to stump for health care". The Washington Post.
  27. ^ (PDF). New York: SRBI. July 29, 2009. Archived from the original (PDF) on January 16, 2011. Retrieved September 21, 2009.
  28. ^ "Kaiser Health Tracking Poll—September 2009: Public opinion on health care issues" (PDF). Washington, D.C.: Kaiser Family Foundation. September 29, 2009. Retrieved January 16, 2010.

Further reading Edit

  • Timm, Jane C. (October 23, 2018). "Fact check: Trump claims GOP is protecting people with pre-existing conditions. Evidence says otherwise". NBC News. Retrieved March 8, 2019.
  • Pear, Robert (February 6, 2019). "Democrats Unite to Begin Push to Protect Pre-Existing Condition Coverage". The New York Times. Retrieved March 8, 2019.
  • Lovelace, Berkeley Jr. & Breuninger, Kevin (September 24 2020). "Trump to sign executive orders protecting preexisting conditions and seeking a way to prevent surprise medical bills". CNBC.

September 04, 2023
existing, condition, this, article, about, term, health, insurance, medical, term, complication, medicine, this, article, multiple, issues, please, help, improve, discuss, these, issues, talk, page, learn, when, remove, these, template, messages, this, article. This article is about the term in health insurance For medical use of the term see Complication medicine This article has multiple issues Please help improve it or discuss these issues on the talk page Learn how and when to remove these template messages This article s lead section may be too short to adequately summarize the key points Please consider expanding the lead to provide an accessible overview of all important aspects of the article March 2014 The examples and perspective in this article deal primarily with the United States and do not represent a worldwide view of the subject You may improve this article discuss the issue on the talk page or create a new article as appropriate January 2020 Learn how and when to remove this template message Learn how and when to remove this template message In the context of healthcare in the United States a pre existing condition is a medical condition that started before a person s health insurance went into effect Before 2014 some insurance policies would not cover expenses due to pre existing conditions These exclusions by the insurance industry were meant to cope with adverse selection by potential customers Such exclusions have been prohibited since January 1 2014 by the Patient Protection and Affordable Care Act According to the Kaiser Family Foundation more than a quarter of adults below the age of 65 approximately 52 million people had pre existing conditions in 2016 Contents 1 Definitions 2 Current U S federal regulation 3 Former regulation 4 Practice and effect 5 Commentary by lawmakers 6 Public opinion 7 See also 8 References 9 Further readingDefinitions EditThe University of Pittsburgh Medical Center defines a pre existing condition as a medical condition that occurred before a program of health benefits went into effect 1 J James Rohack president of the American Medical Association has stated on a Fox News Sunday interview that exclusions based upon these conditions function as a form of rationing of health care 2 Conditions can be broken down into two further categories according to Lisa Smith of Investopedia 3 Most insurance companies use one of two definitions to identify such conditions Under the objective standard definition a pre existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan Under the broader prudent person definition a pre existing condition is anything for which symptoms were present and a prudent person would have sought treatment Which definition may be used was sometimes regulated by state laws Some states required insurance companies to use the objective standard while others required the prudent person standard 10 states did not specify either definition 21 required the prudent person standard and 18 required the objective standard 4 According to the Kaiser Family Foundation more than a quarter of adults below the age of 65 approximately 52 million people had pre existing conditions in 2016 5 Current U S federal regulation EditPatient Protection and Affordable Care Act Pub L 111 148 enacted March 23 2010 6 Immediate reform effective June 21 2010 90 days after enactment National high risk pool for individuals with a pre existing condition who have been uninsured for the prior 6 months Premium to be set at a standard rate for a standard population Premium for older individuals allowed to be up to 4 times the premium for younger individuals Premium for tobacco users allowed to be up to 1 5 times the premium for non tobacco users Immediate reform effective September 23 2010 6 months after enactment Group health insurance plans and new non grandfathered individual health insurance plans 7 Pre existing condition exclusions prohibited for children under age 19 Reform delayed for 4 years effective January 1 2014 Individual and group health insurance plans Pre existing condition exclusions prohibited in all health insurance plans Prohibit treating acts of domestic violence as a pre existing condition Waiting period for enrollment in new health insurance plans limited to 90 days Grandfathered existing health insurance plans must prohibit pre existing condition exclusions by January 1 2014Former regulation EditRegulation of pre existing condition exclusions in individual non group and small group 2 to 50 employees health insurance plans in the United States was left to individual U S states as a result of the McCarran Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 ERISA which exempted self insured large group health insurance plans from state regulation After most states had by the early 1990s implemented some limits on pre existing condition exclusions by small group 2 to 50 employees health insurance plans the Health Insurance Portability and Accountability Act Kassebaum Kennedy Act of 1996 HIPAA extended some minimal limits on pre existing condition exclusions for all group health insurance plans including the self insured large group health insurance plans that cover half of those with employer provided health insurance but are exempt from state insurance regulation 8 9 10 11 12 13 Individual non group health insurance plans 14 15 Maximum pre existing condition exclusion period states that permitted elimination riders permanently excluding pre existing conditions noted by italics and asterisk 6 months Massachusetts Oregon New Mexico 9 months Washington New Hampshire 12 months California Idaho Kentucky Maine Michigan New Jersey New York Vermont Colorado Connecticut Maryland Mississippi Montana North Carolina North Dakota Ohio Pennsylvania Rhode Island South Dakota Utah Virginia West Virginia Wyoming 18 months Minnesota 2 years Alabama Florida Georgia Illinois Iowa Kansas South Carolina Tennessee Texas Wisconsin 3 years Hawaii 10 years Indiana unlimited Alaska Arizona Arkansas Delaware District of Columbia Louisiana Missouri Nebraska Nevada Oklahoma Elimination riders permanently excluding pre existing conditions prohibited California Idaho Indiana Kentucky Maine Massachusetts Michigan Minnesota New Jersey New York Oregon Vermont Washington permitted 37 other states and DC Maximum look back period for pre existing conditions 3 months New Hampshire 6 months Idaho Kentucky Massachusetts Michigan Minnesota Nevada New Jersey New Mexico New York North Dakota Ohio Oregon Utah Washington Wyoming 12 months California Colorado Connecticut Indiana Louisiana Maine Maryland Mississippi North Carolina South Dakota Vermont Virginia 2 years Florida Illinois West Virginia 3 years Montana Rhode Island 5 years Alabama Arkansas Delaware Iowa Pennsylvania Texas unlimited Alaska Arizona District of Columbia Georgia Hawaii Kansas Missouri Nebraska Oklahoma South Carolina Tennessee WisconsinSmall group 2 to 50 employees health insurance plans 16 Maximum pre existing condition exclusion period 0 months Hawaii Maryland Michigan 3 months Kansas 6 months California Colorado Massachusetts New Jersey New Mexico Oregon Rhode Island 9 months Indiana New Hampshire Washington 12 months 36 other states DC Maximum look back period for pre existing conditions 0 months Hawaii Maryland Michigan 3 months Kansas New Hampshire 6 months 45 other states DCLarge group self insured health insurance plansMaximum pre existing condition exclusion period 12 months 50 states DC Maximum look back period for pre existing conditions 6 months 50 states DCPre existing condition exclusions were prohibited for HIPAA eligible individuals those with 18 months continuous coverage unbroken for no more than 63 days and coming from a group health insurance plan Individual non group health insurance plans could exclude maternity coverage for a pre existing condition of pregnancy 2 Group health insurance plans sponsored by employers with 15 or more employees were prohibited by the Pregnancy Discrimination Act of 1978 from excluding maternity coverage for a pre existing condition of pregnancy this prohibition was extended to all group health insurance plans by the Health Insurance Portability and Accountability Act of 1996 HIPAA 2 Practice and effect EditAdvocates against pre existing condition rules argue that they cruelly deny people in need of treatment State Farm spokeswoman K C Eynatten has said We realized our position was based on gut feelings not hard numbers we became aware that we were part of the reason a woman and her children might not leave an abuser They were afraid they d lose their insurance And we wanted no part of that 17 Jerry Flanagan health care policy director of Consumer Watchdog has stated that insurance companies want premiums without any risk and go to extreme lengths to go to make a profit 18 InsureMe an insurance quote provider website has argued that even though health insurance is basically to protect people from very high costs of health care the commercial health insurance system is not playing fair and are always trying to avoid risk in order to boost their profits 19 Some practices by some health insurance companies such as determining domestic violence to be an excludable pre existing condition have been called abuses by Maria Tchijov a Service Employees International Union new media coordinator and by an Office of Rural Health Policy report 17 20 21 The rationale behind pre existing condition clauses according to those who defend the policies is that they reduce the cost of health insurance coverage for those who still receive it thus giving more people an opportunity to afford insurance in the first place 17 22 The San Francisco Chronicle has reported that c osts for those with coverage could go up because people in poor health who d been shut out of the insurance pool would now be included they would get medical care they could not access before 22 Senator Mike Enzi a Republican from Wyoming has voted to allow insurance companies to consider domestic violence as a pre existing condition and supported his vote by saying that covering such people could raise insurance premiums to the point where it would preclude others from buying it He has remarked that If you have no insurance it doesn t matter what services are mandated by the state 17 23 According to the California based advocacy group Consumer Watchdog other possible situations falling under pre existing condition clauses are chronic conditions as acne hemorrhoids toenail fungus allergies tonsillitis and bunions hazardous occupations such as police officer stunt person test pilot circus worker and firefighter and pregnancy and or the intention to adopt 18 Commentary by lawmakers EditAccording to a Reason com libertarian opinion blog by Peter Suderman the Pledge to America issued by the Republican Party in September 2010 stated Health care should be accessible for all regardless of pre existing conditions or past illnesses We will make it illegal for an insurance company to deny coverage to someone with prior coverage on the basis of a pre existing condition 24 In a March 3 2010 address President Barack Obama said that coverage denied to those with pre existing conditions is a serious problem that would only grow worse without major reforms 25 In a September 2010 visit with Falls Church Virginia residents Obama referred to a woman with an eye condition and a woman with non Hodgkin s lymphoma as personal examples in the audience of those benefiting from changing pre existing condition rules 26 Public opinion EditA Time Abt SRBI poll in late July 2009 found that a large majority of Americans 80 favored a requirement that insurance companies insure people even if they have pre existing conditions 27 In September 2009 the monthly Kaiser Health Tracking Poll report said 28 The public s most unanimous and bipartisan support is saved for a proposal to have the federal government require that health insurance companies cover anyone who applies even if he she has a pre existing condition Overall eight in ten back the proposal including 67 percent of Republicans 80 percent of political independents and 88 percent of Democrats See also EditPre existing Condition Insurance PlanReferences Edit Billing terminology Pittsburgh University of Pittsburgh Medical Center UPMC 2010 Archived from the original on October 3 2010 Retrieved January 16 2010 a b c Jacobson Louis August 18 2009 Pregnancy a pre existing condition Yes for some PolitiFact com Retrieved January 17 2010 Smith Lisa February 16 2009 Health insurance paying for pre existing conditions Investopedia Retrieved January 17 2010 Individual Market Portability Rules Not Applicable to HIPAA Eligible Individuals July 21 2014 Retrieved March 8 2019 Julie Rovner October 11 2018 FACT CHECK Who s Right About Protections For Pre Existing Conditions NPR org Retrieved October 12 2018 Side by side comparison of major health care reform proposals PDF Washington DC Kaiser Family Foundation March 22 2010 U S Department of Health and Human Services June 28 2010 Patient Protection and Affordable Care Act Requirements for Group Health Plans and Health Insurance Issuers Under the Patient Protection and Affordable Care Act Relating to Preexisting Condition Exclusions Lifetime and Annual Limits Rescissions and Patient Protections Final Rule and Proposed Rule Federal Register 75 123 37187 37241 Retrieved July 26 2010 Gabel Jon Liston Derek Jensen Gail Marsteller Jill Spring 1994 The health insurance picture in 1993 some rare good news PDF Health Affairs 13 1 327 336 doi 10 1377 hlthaff 13 1 327 PMID 8188152 Retrieved February 22 2010 Kassebaum Nancy Landon Kennedy Edward M et al August 21 1996 Public Law 104 191 Health Insurance Portability and Accountability Act of 1996 HIPAA PDF Washington D C Government Printing Office Retrieved February 22 2010 Atchkinson Brian K Fox Daniel M May June 1997 The politics of the Health Insurance Portability and Accountability Act PDF Health Affairs 16 3 146 150 doi 10 1377 hlthaff 16 3 146 PMID 9141331 Retrieved February 22 2010 Nichols Len M Blumberg Linda J May June 1998 A different kind of new federalism The Health Insurance Portability and Accountability Act of 1996 PDF Health Affairs 17 3 25 42 doi 10 1377 hlthaff 17 3 25 PMID 9637965 Retrieved February 22 2010 Pollitz Karen Tapay Nicole Hadley Elizabeth Specht Jalena July August 2000 Early experience with new federalism in health insurance regulation PDF Health Affairs 19 4 7 22 doi 10 1377 hlthaff 19 4 7 PMID 10916957 Retrieved February 22 2010 Gabel Jon R Jensen Gail A Hawkins Samantha March April 2009 Self insurance in times of growing and retreating managed care PDF Health Affairs 22 2 202 210 doi 10 1377 hlthaff 22 2 202 PMID 12674423 Retrieved February 22 2010 Georgetown Health Policy Institute January 2010 Individual market portability rules not applicable to HIPAA eligible individuals January 2010 Washington D C Kaiser Family Foundation Retrieved March 31 2010 a href Template Cite web html title Template Cite web cite web a author has generic name help Georgetown Health Policy Institute January 2010 Non group coverage rules for HIPAA eligible individuals January 2010 Washington D C Kaiser Family Foundation Retrieved March 31 2010 a href Template Cite web html title Template Cite web cite web a author has generic name help Georgetown Health Policy Institute January 2010 Small group health insurance market pre existing condition exclusion rules January 2010 Washington D C Kaiser Family Foundation Retrieved March 31 2010 a href Template Cite web html title Template Cite web cite web a author has generic name help a b c d Grim Brian September 14 2009 When getting beaten by your husband is a pre existing condition The Huffington Post Retrieved September 19 2009 a b Hilzenrath David S September 19 2009 Acne pregnancy among disqualifying conditions The Washington Post p A3 Retrieved January 16 2010 Health insurance tricks to beware of allinsuranceinfo org 2007 Retrieved January 20 2010 Johnson Rhonda M August 30 2000 Rural health response to domestic violence policy and practice issues Washington D C Office of Rural Health Policy Archived from the original on April 25 2009 Retrieved September 15 2009 Tchijov Maria September 11 2009 Domestic violence is a pre existing condition SEIU Blog Service Employees International Union Archived from the original on September 16 2009 Retrieved September 15 2009 a b Ricardo Alonso Zaldivar Trevor Tompson November 17 2009 Americans fear health law s costs poll finds San Francisco Chronicle Retrieved January 16 2010 dead link Alonso Zaldivar Ricardo Tompson Trevor November 17 2009 Americans fear health law s costs poll finds San Francisco Chronicle Associated Press p A118 Retrieved January 16 2010 Suderman Peter opinion blog September 23 2010 What the GOP s Pledge has in common with ObamaCare Hit and Run Reason Retrieved September 23 2010 Text of President Obama s health care speech March 3 2010 Retrieved September 15 2018 Aizenman N C Kornblut Anne E September 23 2010 Obama returns to stump for health care The Washington Post Time magazine Abt SRBI July 27 28 2009 survey PDF New York SRBI July 29 2009 Archived from the original PDF on January 16 2011 Retrieved September 21 2009 Kaiser Health Tracking Poll September 2009 Public opinion on health care issues PDF Washington D C Kaiser Family Foundation September 29 2009 Retrieved January 16 2010 Further reading EditTimm Jane C October 23 2018 Fact check Trump claims GOP is protecting people with pre existing conditions Evidence says otherwise NBC News Retrieved March 8 2019 Pear Robert February 6 2019 Democrats Unite to Begin Push to Protect Pre Existing Condition Coverage The New York Times Retrieved March 8 2019 Lovelace Berkeley Jr amp Breuninger Kevin September 24 2020 Trump to sign executive orders protecting preexisting conditions and seeking a way to prevent surprise medical bills CNBC Retrieved from https en wikipedia org w index php title Pre existing condition amp oldid 1107714970, wikipedia, wiki, book, books, library,

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