Pre-Existing Medical Conditions - Vaughn's Summaries

Vaughn's Summaries *Medicine Summaries* *Health Insurance*
List of Pre-Existing Medical Conditions Summary of Deniable Disorders by Health Insurance Companies by Vaughn Aubuchon

Here is a list of pre-existing medical conditions that are used by insurance companies to deny health insurance coverage.	-

A - B - C - D - E - F - G - H I - J - K - L - M - N - O - P Q - R - S - T - U - V - W
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List of Pre-Existing Conditions
Declinable Conditions
Which Can Cause Denial
of Health Insurance Coverage

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Abnormal PAP Smear
Achalasia, Cardiospasm
Acne
Acromegaly
Acute Poliomyelitis
ADD
Addison's Disease
Adrenal Insufficiency
AIDS
Alcohol Abuser
Alcoholic Cirrhosis of Liver
Alzheimer's Disease
Amyloidosis
Amyotropic Lateral Sclerosis (ALS)
Aneurysms
Angina
Angioplasty
Ankylosing Spondylitis
Ankylosis
Anticoagulant Medications
Aortic Insufficiency
Aortic or Mitral Valve Replacement
Aortic Stenosis
Aplastic Anemia
Arrhythmia
Arterial Embolism, Thrombosis (clot)
Arterial Occlusion
Arteriosclerosis Obliterans (A.S.O.)
Arteriovenous Malformation
Arthritis
Arthritis, Rheumatoid
Artificial Joints
Artificial Valves
Asbestos Exposure (Asbestosis)
Asthma
Atherosclerosis Obliterans
Atherosclerosis Thrombotic Disease
Atrial Fibrillation (chronic)
Autism (infantile)

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Banti's Disease (Liver Disorder)
Biliary Cirrhosis
Bipolar Disorders
Blastomycosis
Brain Damage (Organic)
Bright's Disease (Glomerulonephritis)
Bronchiectasis
Buerger's Disease (Thromboangitis)
Bulimia
Burkitt's Tumor

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Cancer (Breast or Prostate)
Carcinoid Syndrome
Cardiac Bypass
Cardiomyopathy
Cardiospasm, Achalasia
Cerebral Palsy (Infantile)
Charcot-Marie Tooth Disease
Chrohn's Disease
Chronic Glomerulonephritis
Chronic Hepatitis
Chronic Obstructive Pulmonary Disease (COPD)
Chronic Pulmonary Heart Disease
Cirrhosis of the Liver
Coarctation of the Aorta
Colostomy
Congestive Heart Failure
Cooley's Anemia
Cor Pulmonale
Coronary Artery Disease (C.A.D.)
Coronary Heart Disease (C.H.D.)
Crohn's Disease (Ulcerative Colitis)
Curvature of the Spine
Cushing's Syndrome
Cystic Fibrosis
Cystic Kidney Disease
Cystic Lung Disease

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Dementia
Dentofacial Function Abnormalities
Dermatomyositis
Diabetes (all types)
Disorders of Autonomic Nervous System
Domestic Violence
Down Syndrome
Drug Abuse Illegal
Drug Abuse Prescription
Drug Psychosis

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Electroconvulsive Therapy
Emphysema
Encephalopathy
Enlarged Liver
Esophageal Varices

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Fabry Disease
Factor VIII or IX Deficiency
Fatty Liver
Fertility Treatment

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Gastric Bypass/ Stapling
Gilles De La Tourette's Syndrome
Glomerulonephritis, Chronic
Goodpasture's Syndrome
Guillain Barre's Syndrome

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Heart and/or Lung Transplants
Heart attack
Hemiplegia
Hemochromatosis
Hemolytic Anemia
Hemophilia A or B
Henoch's Purpura
Hepatitis C, G, Non-a, Non-B
Hepatomegaly
Herniated Intervertebral Disc
HIV
Hodgkin's Disease
Huntington's Chorea
Hydrocephalus
Hydronephrosis
Hypersplenism
Hyperthyroidism

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Idiopathic Thrombocytopenia Purpura (ITP)
Immunodeficiency Disorder
Infertility Treatment
Insulin Use
Internal Cardiac Defibrillator
Ischemic Heart Disease

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Kaposi's Sarcoma
Kidney Failure
Kidney: Polycystic Kidneys
Kidney Transplant
Klinefelter's Syndrome (Gonadal Dysgenesis)

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Legionella Pneumophilia
Leukemia
Leukoencephalopathy
Lipisosis (Neiman-Pick Disease)
Liver Failure
Liver Transplant
Lou Gehrig's Disease
Lung Transplant
Lupus, systemic (SLE)
Lymphadenitis
Lymphoma

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(Con't.) List of Pre-Existing Conditions Declinable Conditions Which Can Cause Denial of Health Insurance Coverage
top of page Malignant Melanoma Marfan's syndrome Medullary Sponge Kidney Mitral Insufficiency Mitral Stenosis Mixed Connective Tissue Disease Morbid Obesity Multicystic Kidneys Multiple Myeloma Multiple Sclerosis Muscular Dystrophy Myasthenia Gravis Myelopathy Myocardial Infarction (M.I.) Myocardial Ischemia (M.I.) top of page Nephritis Nephrotic Syndrome Neurofibromatosis (Von Recklinghausen's) Neiman Pick Disease (Lipidosis) Neuropathy, Inflammatory Toxic top of page Obesity Occlusion of Cerebral Arteries Organ Transplant Organic Brain Syndrome Organic Heart Murmur Osteitis Deformans (Paget's Disease) top of page Pacemakers Paget's Disease Pancreatitis Paralysis Paranoid Disorder Paraplegia Parkinson's Disease Pemphigus Peripheral Occlusive Arterial Disease (P.O.A.D.) Peripheral Vascular Disease Peroneal Peripheral Neuropathy Personality Disorders Pituitary Dwarfism Pneumoconiosis Pneumocystitis Carinii Pneumonia (P.C.P.) Polio Myelitis Polyarteritis Nodosa Polycystic Kidney Disease Polycystic Ovarian Syndrome Polycythemia Polymyositis Polyneuropathy Porphyria Pregnancy Premature Ventricular Contractions Primary Pulmonary Hypertension Prostate Disorder Psoriatic Arthropathy Psychosis Pulmonary Alveolar Proteinosis Pulmonary Fibrosis Pulmonary Heart Disease Pulmonary Hypertension Pulmonary Insufficiency Pulmonary Stenosis Pyloric Stenosis top of page Quadraplegia top of page Rape Raynaud's Syndrome Renal Failure Renal Hypertension Rheumatic Heart Disease Rheumatoid Arthritis top of page Sarcoidosis Sarcoma Schizo Disorders (bipolar or depressive) Schizophrenia Scleroderma Seizures (recent) Senile Syndrome Serious Congenital Abnormalities Severe Childhood or Adolescent Disorders Sick Sinus Syndrome Sickle Cell Anemia Disease Silicosis Sjogren's Disease Sleep Apnea Smoking (long term, other factors) Spina Bifida Spinocerebellar Disease Spondylitis Stroke (indeterminate, ischemic) Suicide attempt Syndrome X Systemic Lupus Erythematosus Syringomyelia top of page Tabes Dorsalis Takayasu's Disease Tay-Sach's Disease (Cerebral Lipidosis) Temporal Arteritis Testicular Dysfunction Tetrology of Fallot Thalassemia Major (Mediterranean Anemia) Thromboangitis Thrombotic Thrombocytopenia Purpura TIA Too fat Too thin Tourette's Syndrome Tracheostomy Transient Organic Psychosis Transient Ischemic Attack Transplants Transsexualism Tricuspid Insufficiency Tricuspid Stenosis Trisomy 21 Syndrome Tuberculosis Turner's Syndrome top of page Ulcerative Colitis Undiagnosed Symptoms (Kaiser) Uremia top of page Valve Replacement Ventricular Arrhythmias Ventricular Septal Defect Von Recklinghausen's Disease Von Willebrand's Disease (hemophilia) top of page Wegner's Granulomatosis Werlhof's Disease	-
This composite list is by no means exhaustive. These are just SOME of the reasons for denial of medical coverage. It was compiled from conditions listed by Anthem (Blue Cross), Assurant, CIGNA, and Kaiser. "Undiagnosed symptoms" is my favorite. That covers everything. "Something is going on with the patient, but no one has looked to see what it is." "If you once had a tummy ache, we can't cover you." FACT: Medical Insurance is NOT for sick people! Insurance companies do NOT want to pay for anything that is ALREADY WRONG with you. Basically, if you are sick, it will be very difficult, or very expensive, to get medical coverage. .	-
AND, just for fun, I found this partial list of COVERED conditions from 7health.net. Looks like there is a bit of overlap between Covered (current) conditions, and NOT Covered (pre-existing) conditions. You are going to have to read the fine print in great detail. Especially, all the nuanced meanings of "pre-existing". "What did you know, and when did you know it." Sorry. It won't be easy. It wasn't meant to be. .
The corporate "medical insurance for profit" model is ---> 1. Get as many premiums as possible, and 2. Pay out as few benefits as possible. .
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Disclaimer
The opinions stated on this page are solely the opinions of the author.
Although the author exercises due diligence, errors can and do occur.
The above listed medical conditions are not all-encompassing. There are many other preexisting medical conditions that are used to deny medical coverage.
I hope this page helps you with your Medical Insurance buying decision.

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This Vaughns "Pre-Existing Conditions
Summary" was updated on 2017-10-28.