I recently changed insurance carriers because I got married. Will my heart defect be considered pre-existing?

My daughter has a heart defect so I have done some research on this. As long as there was no lapse in coverage, you should be covered. It's very, very important never to let coverage lapse - if you or your spouse (whoever carries the insurance) quits or is terminated, be sure to purchase COBRA or find some other kind of coverage.

It's my understanding that pre-existing condition clauses only apply when there is a lapse in coverage.

Thanks Kathie, my coverage has never lapsed so I guess I'm alright!Thanks for your help. Report It

It depends on which state you reside in.

most likely because you had it before you bought the policy.

You really should check with your carrier on something this important. It is my understanding that if you have been treated for the disease within the past two years, it is not covered. Maybe your new policy is more lenient. Sure hope so.

Probably. That shouldn't affect your coverage thought if that is what you are worried about. You only need to show proof that you had another insurance before you got the new one.

IT ALL DEPENDS ON WHETHER YOU'VE BEEN TO A DR. AND DIAGNOSED WITH A HEART DEFECT. IF SO YES IT WILL PROBABLY BE CONSIDERED PRE-EXISTING. JUST TALK WITH YOUR DR. AND OR INSURANCE MAN TO SEE...GOOD LUCK...GOD BLESS....SKH

Oh sweetie- you need to call that insurance agent that sold you the new policy--with almost 100 percent certainty--ANY pre-existing condition will be nil on a new policy--a heart defect-which even if it's a murmur or mitral valve prolapse- will definitely be considered pre-existing--

get your "new" policy out and read it front to back-- see if you have a cancellation period and also check with your old policy--if you have ANY problems getting this straightened out-- there is an agency in every state called the Insurance commission department--it is found in the yellow pages under government departments and you can call them and they can help you..........Congratulations on your recent marriage----this will all work out--because your previous insurance has to re-insure you if the pre-existing condition is not covered under your new insurance.

I recently went through this same thing. I suffer from atrial fibrillation and you can bet that when I chose a new insurance carrier, they not only dug up all the info on it, but also got any related tests, treatments, etc. prior to accepting me. It WAS considered pre-existing because I had it prior to applying for the new coverage.They still took me on but it raised my rates as a result. They made me take catastrophic insurance coverage out as a result of the pre-existing condition but it wasn't too bad.
Insurance coverage is a very tricky thing these days and there are many loopholes and pitfalls to avoid. Make SURE that your condition is covered, otherwise if you have any medical issues with your condition, it may very well not be covered.
I'd suggest doing everything you can to stick with your original insurance company that was covering you before you were diagnosed. It may really pay for itself eventually to keep them and may be much easier than the hurdles you may have to jump to get into the new company policy.