Many insurance providers have what is called pre-existing condition exclusion. This means that the level of service that is provided to you from that insurance company can change based upon your health. This is not the case with Medicare.

How Pre-Existing Condition Exclusions Work

Insurnance works on betting against risk. This means that an insurance company is taking your money and planning on nothing being wrong with you until there is enough to cover the costs of your care. If you have a condition like diabetes or high blood pressure then this is considered a pre-existing condition.

If you have a pre-existing condition any health costs associated with that will not be covered by your insurance. Depending on the insurance provider this could be for a short period of time (a year or two) or a long period of time. As you can imagine, pre-existing conditions are often where insurance is needed most.

Medicare Covers Pre-Existing Conditions

When you activate your Medicare Parts A&B you don’t have to worry about a waiting period for coverage. The same holds true for any Medi-gap coverage that you are considering having as well. Remember that you should apply for your Medi-gap coverage within six months of starting your Part A &B Medicare benefits. This will ensure that any coverage that you need for any health issue, pre-existing or not, will be covered by Medicare and your gap insurance.

If you have legal issues regarding Medicare benefits or gap insurance, contact Stano Law group.