I was hoping some knowledgeable people here could help clear up some confusion I have about Preexisting conditions as they relate to an Individual health insurance plan.
It's my understanding, that in Florida, state laws state that there is a 24 month Look Back Period in which potential carriers can look at any doctor visits/meds that might be considered a preexisting condition http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.6045.html
Am I interpreting this correctly? For example, I've seen a doctor for allergy problems and back pain, but it's been over two years since I last sought a medical opinion or treatment, so are these issues that can no longer be subject to a medical ryder or grounds for a decline? Can they put a medical ryder on something older than 24 months?
I have an Aetna application that asks for any conditions going back 10 years. Why are they allowed to ask for 10 years of preexisting conditions if state law says they can only look back 2 years? What am I missing here?
It's my understanding, that in Florida, state laws state that there is a 24 month Look Back Period in which potential carriers can look at any doctor visits/meds that might be considered a preexisting condition http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.6045.html
Am I interpreting this correctly? For example, I've seen a doctor for allergy problems and back pain, but it's been over two years since I last sought a medical opinion or treatment, so are these issues that can no longer be subject to a medical ryder or grounds for a decline? Can they put a medical ryder on something older than 24 months?
I have an Aetna application that asks for any conditions going back 10 years. Why are they allowed to ask for 10 years of preexisting conditions if state law says they can only look back 2 years? What am I missing here?
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