A pre-existing condition is any condition (physical or mental) including a disability that a patient was diagnosed with or received treatment for before their health insurance plan went into effect. Some states have pre-existing condition exclusions, such as six months or 18 months. The time an insurance company is allowed to exclude a patient varies depending on differing state rules, but the ability of an insurance company to deny benefits under pre-existing conditions for adults ends in 2014. For children, it ended in 2010.
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