Does insurance cover pre-existing conditions?

This video emphasizes that health insurance companies are legally prohibited from refusing coverage or charging higher premiums based on pre-existing conditions. Here are a few bullet points:

  • Pre-existing conditions are health issues present before obtaining the insurance.
  • Health insurers cannot deny coverage or charge higher premiums due to pre-existing conditions.
  • Insurers are also prohibited from limiting benefits specifically for pre-existing conditions.
  • An example is provided where insurers must cover insulin for a patient with pre-existing diabetes.

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Luke explains and emphasizes that having health insurance offers more than just access to healthcare; it also provides valuable preventive services at no additional cost:

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