Frequently Asked QuestionsChildren with Pre-existing Conditions

1. What qualifies as a pre-existing condition?

2. I have a pre-existing condition; will I be able to get health insurance?

3. How does the law affect children with pre-existing conditions?

4. Does the law make it easier for adults who have medical problems to get health coverage?

1. What qualifies as a pre-existing condition?
A pre-existing condition has been defined in the past as a health condition or medical problem acknowledged by your health plan before you receive insurance. Prior to Health Care Reform, some health plans would not pay for health conditions you had prior to becoming a member.

2. I have a pre-existing condition; will I be able to get health insurance?
Yes, individuals with pre-existing medical conditions cannot be denied health coverage for any reason. You may compare and apply for health plans directly with a health insurance company like Independence Blue Cross, or you can shop on the Health Insurance Exchange.

3. How does the law affect children with pre-existing conditions?
The health care law prohibits health plans from denying coverage or benefits to children under the age of 19 who have pre-existing medical conditions. This provision, which went into effect in 2010, does not apply to grandfathered plans until 2014.

4. Does the law make it easier for adults who have medical problems to get health coverage?
Starting in 2014, the law prohibits insurers from denying coverage to anyone with pre-existing health conditions, or charging them higher rates because of their health status. That means you will be able to buy health insurance even if you have a pre-existing medical condition.