Obamacare Improvement: What Were Pre-Existing Conditions? Scary.

[Playinghardball]

If you’re wondering why so many people claim they liked their old health insurance, the answer is simple. Very few people with health insurance ever use it for anything other than health maintenance, like doctor visits and annual checkups and the like.

What many people seemed to be unaware of was that, under their old insurance policy, their company could simply refuse to sell them insurance, or cancel their insurance, and/or deny payment of a claim if, at any point, they decided they had a pre-existing condition.

…. And if you think pre-existing conditions were limited to extremely serious conditions, think again. Here is a list of pre-existing conditions from Blue Cross and Blue Shield of Illinois, issued in 2011 (see link)

>snip<
Medical Condition Rejection List

If you have a condition, illness, or injury that is listed on the Medical Condition Rejection List below, you will most likely be declined for individual coverage with Blue Cross Blue Shield of Illinois.

These conditions include, but are not limited to:


•AIDS
•Alcoholism/Alcohol Abuse (within 7 years)
•Angioplasty
•Aortic Stenosis
•Arteriosclerotic Heart Disease
•Ascites (within 5 years)
•Bi-Polar Disorder
•Boecks Sarcoidosis
•By-pass surgery
•Cancer (other than skin cancer)/Malignant Melanoma²
•Cerebral Vascular Accident
•Cerebral Vascular Disease
•Chronic Obstructive Pulmonary Disease (if currently smoking)
•Chronic Pancreatitis
•Chronic Renal Failure
•Cirrhosis of Liver
•Coronary Heart Disease
•Cushing’s Syndrome
•Cystic Fibrosis
•Diabetes (managed with any type of medication)
•Drug Addiction/Abuse (within 5 years)
•Fatty Liver (hepatic steatosis) (fully recovered with normal lab results for minimum of 6 months)
•Grand Mal Epilepsy (within 5 years)
•Heart Attack
•Height and Weight (see chart)
•Hemodialysis/Peritoneal Dialysis
•Hemophilia
•HIV
•Hodgkins Disease
•Huntington’s Chorea
•Immune Deficiency Syndrome
•Leukemia (within 7 years)
•Liver Atrophy
•Lupus Erythematosus (Systemic)
•Multiple Neurofibromatosis (within 7 years)
•Multiple Sclerosis
•Muscular Dystrophy
•Myasthenia Gravis
•Myocardial Infarction
•Nephrosclerosis
•Organic Brain Disorder
•Pacemaker
•Paget’s Disease
•Parkinson’s Disease
•Pending surgery of any kind
•Peripheral Vascular Disease
•Polycystic Kidney
•Pregnancy (current)
•Psychotic Disorder
•Rheumatic Heart Disease
•Stroke
•Systemic Scleroderma
•Tetralogy of Fallot
•Transient Ischemic Attack (within 5 years)
•Organ Transplants
•Valve Replacement

…. Be happy for Obamacare. Your insurance is better, because it’s now actually insurance.


Full post here: http://pleasecutthecrap.com/ever-see-an-insurance-companys-pre-existing-conditions-theyre-scary/

Discovered on the Obamadiary

[jamzrockz]

1. I know you said "not limited to"

But I am guessing that is the core pre-existing conditions list and I have to say that is actually not that bad. I used to hear really scary things like being a woman was considered to be pre-existing condition.

Also, there is no hypertension on the list

[aptal]

2. So if you ever had a stroke?

I see some say within so many years. But a stroke would be pr-existing forever? Wow...

[justgamma]

3. When I was turned down,

they cited high blood pressure, (controlled with meds) and high cholesterol (170) the last time checked.