Insurance companies have a list of what is considered pre-existing conditions, and they may down coverage because they feel it will cost more to cover you than they will make in premiums you pay. Genital herpes, or HSV-2, on the other hand is considered a pre-existing condition that needs to be stated when applying for health insurance and unfortunately, more often than not, insurance companies have been known to deny applications with applicants that have genital herpes. I found out I had genital herpes in April and I had health insurance, but lost my job a week later and the. Com Wiki Answers Categories Business & Finance Insurance Medical Insurance Is genital herpes considered a pre-existing condition when applying for medical insurance. I was recently turned down by 2 health insurance providers who both cited genital herpes as the reason I was being turned down for coverage. The federal government has set limits to the pre-existing conditions that can and cannot be excluded from a policy.
In some states you can legally be denied health insurance for having herpes or other sexually transmitted diseases. Another problem is that genital herpes can lead to fatal infections in babies; Can the insurance company deny you coverage based on a herpes diagnosis? Technically, the insurance company has the right to deny you coverage based on any pre-existing medical condition. I think medical forms for health insurance may ask if you have pre-existing conditions but honestly I don’t think you have to add herpes to that form if you choose not to. If you can, find your health insurance website and read their fine print conditions – it will tell you what they will and will not pay for, etc. Anyone know. I don’t currently have health insurance, but I am shopping for some now that I have been recently. Anyways, I’m wondering does a herpes diagnoses qualify as something I would put down as a pre-existing condition on a health insurance application? Thanks!
A healthcare card application is the first step to getting covered for real health insurance with STD’s. Buying an STD plan is not an easy task as it is regarded as a pre-existing condition and people with STD are considered at high risk. A Pre-existing Medical Condition is defined as any condition from which you, or anyone upon whom your trip depends, has suffered from, or received any form of medical advice, treatment or medication within the last twelve months prior to you purchasing this insurance. You do not need to contact Our medical pre-screening company if the only medical condition(s) you have appears in the following list provided You are not awaiting surgery for the condition and have been fully discharged from any post-operative follow-up and the words in brackets apply to You:. This past aug she applied for new health insurnace. She has a wrist surgury set up for the end of this month, is the new ins company going to deny her coverage on that surgury because it was pre existing?
Can You Be Denied Health Insurance If You Have Herpes?
Remember that in a company with 50 employees, statistically, about a dozen of them will have genital herpes and most will have oral herpes. So no, it’s not a deal breaker. Whether it is considered a pre-existing condition probably depends on the insurance company and how their group policy is written. Don’t let this stop you from getting a good job. Sometime in April 1989, Julia began having recurrent genital herpes outbreaks. It significantly interfered with her concentration and memory, two essential requirements of her position. A disability will not be considered total if there is available plainly effective treatment that would relieve the disability and pose no danger to the insured’s life or health. Katlyn is having trouble getting health insurance because she just graduated from college and is 15 weeks pregnant.