Sleep apnea could be considered a pre-existing condition and result in higher premiums for these patients, reports CNN.
An estimated 52 million of adults under 65 years have pre-existing health issues, an analysis by the Kaiser Family Foundation found.But the term itself is vague and every insurance company has their own lists of “declinable” or “uninsurable” conditions.Some companies even considered domestic violence and rape a pre-existing condition before the Obamacare era.
Do I have a pre-existing condition?Maybe. By law, there are not set parameters, and some insurers consider these as pre-existing conditions:
- Bipolar disease
- Menstrual irregularities
- Sex reassignment
- Sleep apnea
- TranssexualismThe list of pre-existing conditions could be endless. Three of the largest insurers in the US — United Healthcare, Cigna and Anthem Blue Cross Blue Shield — considered a person generally”uninsurable” and could decline coverage without reviewing any medical records if an applicant had a certain health issue. Insurance companies have listed the health issues but most reserved the right to add more conditions.