Can I be denied health insurance coverage after being diagnosed with herpes?
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Asked November 10, 2014
1 Answer
In the United States, it is illegal for health insurance companies to deny coverage to an individual based solely on a pre-existing condition, including herpes. This is thanks to the Affordable Care Act (ACA), which was signed into law in 2010 and includes provisions to protect individuals with pre-existing conditions. Under the ACA, health insurance companies cannot deny coverage to individuals with pre-existing conditions or charge them more for coverage. This includes conditions such as herpes, which is a common sexually transmitted infection. However, it's important to note that there may be limitations or restrictions on coverage related to pre-existing conditions. For example, a health insurance plan may have a waiting period before covering treatment for a pre-existing condition or may require you to pay a higher premium or copayment for certain services related to the condition. Additionally, if you are purchasing health insurance through an employer, there may be certain restrictions or limitations on coverage related to pre-existing conditions. In some cases, you may need to wait for a certain period of time before coverage for a pre-existing condition begins. If you have been denied health insurance coverage or have questions about your coverage options, it is recommended that you speak with a licensed insurance agent or a healthcare navigator who can help you understand your rights and options under the law.
Answered November 10, 2014 by Anonymous