Quote:Generally, company-provided plans did not disqualify pre-existing conditions as long as the person had prior insurance when the condition developed. That would seem to be a reasonable general requirement. If someone goes for years without insurance, pocketing the money they would have paid in premiums, and then expects to be covered after they develop (say) cancer, then I disagree.


 

If someone here believes they should still be covered, then that person should reach into their own pocket to do so.

I have general and social anxiety along with depression so I have to see a doctor every month. For several years I was not able to thanks to divorce, a job that didn't provide insurance and the inability to get any on my own due to cost- this all before ACA. Should I have been unable to get on my husband's insurance (which is through his employer) because I had a lapse in coverage? Or are you talking high cost stuff like cancer?

 

As it was, even though I was accepted on his insurance they refused to pay for my anxiety and depression related visits and meds for the first year. So you can be on a plan with pre-existing conditions now but it doesn't mean they will pay for anything relating to that condition for a period of time if you have a lapse in coverage. 

---