Ask Your Question

Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.

Top 30 Days Experts
Rank Leader Points*
1 kstreett 240
2 Guest_9020487 110
3 Guest_9190926 105
4 GoldenKid 100
5 ahowell 95
6 KnowledgeBase 95
7 skbloom 80
8 Guest_98024861 70
9 Guest_9311297 70
10 Guest_9400529 70

*Updates every 4 hours

Browse Projects By Category

Question DetailsAsked on 6/24/2013

Medical Insurance for preexisting conditions

Heath Insurance companies covering pre-existing conditions

Do you have the same question? Follow this Question

3 Answers


Good Morning,

All insurance companies cover pre-existing conditions. It just depends on what the specific condition is that varies which carrier might be your best option. All carriers have 12 month waits for pre existing conditions. These are waived by 1 of 2 ways, depending on carrier.

The most common is for carriers to waive the waiting period for credible coverage. This means if you have 12 months of credible coverage from another insurance company, then the new carrier waives your waiting period based on that.

Other carriers waive the waiting period by your honest application. This means, as long as you tell the truth on the application for health insurance, and as long as your condition isn't severe enough to get declined coverage, then that condition will be covered from day one.

My advice is to find a health insurance broker that is familiar with this and go from there. Don't use an agent, use a broker. Their services are free and they work for you. Good brokers will work with all or nearly all of the carriers in your state.


Answered 7 years ago by


Hello, this is Kiel with Angie's List. You'll want to log in at and search for the categories Health Insurance - Brokers or Health Insurance - Companies to see our top rated providers in your area. You can also contact our call center at 1-888-944-5478 or send a written request to for more information.

Call center hours:
Mon-Fri: 8:30am – 8:15pm ET
Sat: 8:30am – 3:00pm ET

Thanks so much!

Answered 7 years ago by KielH


I don't know how urgent your need for insurance is, but you might look into articles on Obamacare coming into effect January 1st - it will prohibit locking people out of insurance for pre-existing conditions (though it is not clear if they will be able to charge more), and on October 1st the new insurance exchanges are supposed to become available for signup for coverage beginning January 1st, and the insurance exchange policies supposedly will not be able to charge more for pre-existing conditions either.

Research it - it might be worth getting a stop-gap policy now if needed, then get into an Obamacare policy then (assuming Congress does not eliminate it before then).

Here is also a government explanation of the issue, and the current state-run pools of insurance for high-risk uninsurable persons -

Answered 7 years ago by LCD

Related Questions

Terms Of Use
Privacy Policy