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No Exam Health Insurance

Most health insurance plans have what is called an “exclusion period” during which they do not cover pre-existing conditions. Although definitions vary depending on the insurance company, pre-existing conditions are typically medical conditions for which you sought treatment or received care in the six months prior to purchasing health insurance. Examples of pre-existing conditions include diabetes, heart disease, HIV, cancer, mental illnesses, hypertension, and high cholesterol.

If your health insurance is based on your employment, the exclusion period is limited to one year (eighteen months for late enrollees). The limits on exclusion periods for individual health insurance depend upon which state you live in.

HIPAA

Thanks to the Health Insurance Portability and Accountability Act (HIPAA) of 1996, if you have had health insurance without a break in coverage of more than 63 days, the period during which you were previously insured counts against your exclusion period.

For instance, assume you had health insurance coverage through an employer for five months before you were laid off. Twenty days later, you found another job that offered health benefits. Because you had five months of “creditable coverage,” the exclusion period for your new insurance coverage would be only seven months.

No Exam?

In order to obtain individual health insurance, you will often need to undergo a physical exam to unearth any medical difficulties you may have.

The insurance companies that don’t require exams do require you to complete an application listing your medical conditions. It’s important to be honest on your application because if you bend the truth even a little bit, and the insurance company finds out about it, they can rescind your coverage.

Even if a physical exam is not required, honesty is still the best policy.

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